St. Mary's County property record for 23576 Gunnell Dr, Leonardtown, MD 20650
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,128 sqft · built 2004 |
| Lot Size | 0.358 acres (15,578 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $450,000 (Jul 2018) |
| Tax Bill | $5,414 (2025) |
| Deeds & Mortgages | Dec 2023 Second Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-070220 |
| Primary APN | 03-070220 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,128 sqft Total Area |
| Basement Area | 1,250 sqft |
| Finished Basement | 1,250 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,578 sqft (0.358 acres) |
| Garage Type | Built-in |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
| Porch | Slab |
| Porch Area | 102 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 070220 |
|---|---|
| Street Address | 23576 GUNNELL DR |
| City | LEONARDTOWN |
| State | MD |
| Zip | 20650-3780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL |
| Legal Description | LOT 11 PHASE 4 VILLAGES AT LEONARDTOWN |
| Legal Subdivision | VILLAGES AT LEONARDTOWN |
| Legal Phase | 4 |
| Legal Lot Number | 11 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 3, LEONARDTOWN |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 875502 |
Source: St. Mary's County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 23576 GUNNELL DR, LEONARDTOWN, MD 20650-3780 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Nov 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Jul 31, 2018 | Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2018 · Amount on Record |
| Deed Sale | Jul 31, 2018 · Amount on Record |
| Prior Sale | Mar 20, 2007 · Amount on Record |
| Deed Book / Page | 4914 / 1 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 23576 GUNNELL DR, LEONARDTOWN, MD 20650-3780 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 23576 GUNNELL DR, LEONARDTOWN, MD 20650-3780 |
| Document Number | 0064420281 |
|---|---|
| Date | Dec 20, 2023 |
| Book Page | 6442/281 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 23576 GUNNELL DR, LEONARDTOWN, MD 20650-3780 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | BLUE CRAB TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0051990146 |
|---|---|
| Date | Nov 5, 2019 |
| Book Page | 5199/146 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Address | BETHESDA, MD 20814 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Jul 31, 2018 |
| Property Address | 23576 GUNNELL DR, LEONARDTOWN, MD 20650-3780 |
| Document Number | 0049140001 |
| Book / Page | 4914 / 001 |
| Map Reference | LB55 FO44 |
| Instrument Date | Jul 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | BAY COUNTY TITLE & ESCROW LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 23576 GUNNELL DR, LEONARDTOWN, MD 20650-3780 |
| Document Number | 0000049148 |
|---|---|
| Date | Jul 31, 2018 |
| Instrument | 4914/8 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
Source: St. Mary's County assessment roll, as of August 12, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $520,300 (+15.36%) | $568,300 (+14.51%) Land $109,300 Building $459,000 | |
| 2025 | $5,414.00 (+15.54%) | ||
| 2023 | $4,686.00 | $451,033 | $496,300 Land $109,300 Building $387,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGES AT LEONARDTOWN serves 239 people · EPA ID MD0180052 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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