23584 Pine Bluff Way, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 23584 Pine Bluff Way, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,440 sqft · built 2012
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Oct 2017)
Tax Bill	$104 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-088642`

Property Details

APN / Parcel Number

Primary APN	`03-088642`
Alternative APN	`088642`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,440 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 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	625 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	539 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	088642
Street Address	23584 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 236 PHASE 3 LEONARD'S GRANT
Legal Subdivision	LEONARDS GRANT PH 03
Legal Phase	3
Legal Lot Number	236
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	1
Census Block	1070
Census Tract	875502

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	23584 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 10, 2017	Grant Deed, Transfer · VA Mortgage ACOPIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2017 · Amount on File
Deed Sale	Oct 10, 2017 · Amount on File
Prior Sale	May 18, 2012 · Amount on File
Deed Document Number	20174741-437
Deed Book / Page	4741 / 437
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23584 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055810354
Date	Dec 21, 2020
Book Page	5581/354

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Oct 10, 2017
Property Address	23584 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Document Number	0047410437
Book / Page	004741 / 000437
Instrument Date	Oct 2, 2017
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23584 PINE BLUFF WAY LEONARDTOWN MD 206505874, LEONARDTOWN, MD 20650-5874

Mortgage

Document Number	47410444
Date	Oct 10, 2017
Book Page	004741/000444

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2047

Tax Assessment & Valuation

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		$629,267 (+18.38%)	$702,400 (+18.51%) Land $108,700 Building $593,700
2025	$104.00 (-98.31%)
2023	$6,144.00	$531,567	$592,700 Land $103,500 Building $489,200

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

Flood

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

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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