23596 Pine Bluff Way, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 23596 Pine Bluff Way, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,720 sqft · built 2012
Lot Size	0.197 acres (8,594 sqft)
Owner	2 Individual Names on Record
Last Sale	$407,895 (Dec 2012)
Tax Bill	$5,650 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-088626`

Property Details

APN / Parcel Number

Primary APN	`03-088626`
Alternative APN	`088626`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,720 sqft Total Area
Basement Area	680 sqft
Finished Basement	680 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	8,594 sqft (0.197 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	088626
Street Address	23596 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 234 PHASE 3 LEONARD'S GRANT
Legal Subdivision	LEONARDS GRANT PH 3
Legal Phase	3
Legal Lot Number	234
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 August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	23596 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Aug 24, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2012 · Amount on Record
Deed Sale	Dec 28, 2012 · Amount on Record
Deed Book / Page	3827 / 388
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23596 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Transaction Type	Mortgage
Record Updated	Sep 24, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23596 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874

Mortgage

Document Number	0067600484
Date	Sep 10, 2025
Book Page	6760/484

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23596 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5874
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058900443
Date	Aug 24, 2021
Book Page	5890/443

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: St. Mary's County assessment roll, as of August 12, 2025

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		$522,733 (+17.55%)	$581,600 (+17.9%) Land $109,600 Building $472,000
2025	$5,650.00 (+11.86%) Homeowner's exemption
2023	$5,051.00 Homeowner's exemption	$444,700	$493,300 Land $104,400 Building $388,900

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 Record 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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