23572 Pine Bluff Way, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 23572 Pine Bluff Way, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,720 sqft · built 2012
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Apr 2018)
Tax Bill	$5,997 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-088669`

Property Details

APN / Parcel Number

Primary APN	`03-088669`
Alternative APN	`088669`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,720 sqft Total Area
Basement Area	1,150 sqft
Finished Basement	1,150 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	088669
Street Address	23572 PINE BLUFF WAY
City	LEONARDTOWN
State	MD
Zip	20650-5874
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 238 PHASE 3 LEONARD'S GRANT
Legal Subdivision	LEONARDS GRANT MAJOR PH 03
Legal Phase	3
Legal Lot Number	238
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	1
Census Block	1070
Census Tract	875502

Owner

23572 Pine Bluff Way is owned and occupied by two individuals who bought it in April 2018.

Source: St. Mary's County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23572 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2018	Deed of Trust, Mortgage · VA Mortgage FIRST HOME MORTGAGE CORP
Nov 5, 2019	Deed of Trust, Mortgage · VA Mortgage FIRST HOME MORTGAGE CORP
Aug 3, 2021	Deed of Trust, Mortgage · VA Mortgage FIRST HOME MORTGAGE CORP
Mar 30, 2022	Deed of Trust, Mortgage · VA Mortgage FIRST HOME MORTGAGE CORP
Apr 12, 2018	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2018 · Amount on File
Deed Sale	Apr 12, 2018 · Amount on File
Prior Sale	Mar 9, 2012 · Amount on File
Deed Book / Page	4850 / 392
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23572 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048880055
Date	Jun 15, 2018
Book Page	4888/055

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23572 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051990197
Date	Nov 5, 2019
Book Page	5199/197

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23572 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058660385
Date	Aug 3, 2021
Book Page	5866/385

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23572 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061070171
Date	Mar 30, 2022
Book Page	6107/171

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Aug 1, 2051

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Apr 12, 2018
Property Address	23572 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Document Number	0048500392
Book / Page	4850 / 392
Map Reference	LB JWW 68 GO83
Instrument Date	Apr 9, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	TRI COUNTY ABSTRACT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,262.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23572 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874

Mortgage

Document Number	0004850400
Date	Apr 12, 2018
Instrument	4850/400

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 23572 Pine Bluff Way was $5,997 with a homeowner's exemption.

Source: St. Mary's County assessment roll, as of September 22, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	St. Mary's County
Municipality	Leonardtown Town
Unified School District	St. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$542,267	$603,800 Land $108,700 Building $495,100
2025	$5,997.00 Homeowner's exemption
2023	$5,364.00	$462,967	$511,500 Land $103,500 Building $408,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 23572 Pine Bluff Way in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective May 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2020)
Most Recent Claim	Aug 2020 · Tropical Storm Isaias
Claims by Event	Tropical Storm Isaias, Aug 2020 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 23572 Pine Bluff Way is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF LEONARDTOWN serves 5,000 people · EPA ID MD0180006
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Breezeline Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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