23620 Pine Bluff Way, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 23620 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	$57,000 (Sep 2022)
Tax Bill	$6,017 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-088561`

Property Details

APN / Parcel Number

Primary APN	`03-088561`
Alternative APN	`088561`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,720 sqft Total Area
Basement Area	1,360 sqft
Finished Basement	1,360 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	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	088561
Street Address	23620 PINE BLUFF WAY
City	LEONARDTOWN
State	MD
Zip	20650-5875
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 230 PHASE 3 PLAT 68/83 LEONARD'S GRANT
Legal Subdivision	LEONARDS GRANT PH 03
Legal Phase	3
Legal Lot Number	230
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 28, 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 Record
Mailing Address	23620 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5875
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Sep 8, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Nov 20, 2020	Gift Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2022 · Amount on Record
Deed Sale	Sep 8, 2022 · Amount on Record
Prior Sale	Jun 4, 2012 · Amount on Record
Deed Book / Page	6215 / 244
Prior Transfer Date	Nov 4, 2020
Prior Transfer Doc	0055450414
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23620 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5875
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	CLA TITLE AND ESCROW, CLA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062380276
Date	Oct 14, 2022
Book Page	6238/276

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2052

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Sep 8, 2022
Property Address	23620 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5875
Document Number	0062150244
Book / Page	6215 / 244
Map Reference	LB JWW 68 FO 83
Instrument Date	Aug 24, 2022
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,837.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	23620 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5875
Investor	Possibly a Property Investor

Mortgage

Document Number	0006215252
Date	Sep 8, 2022
Instrument	6215/252

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

November 2020: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	ST MARY'S MD
Recording Date	Nov 20, 2020
Property Address	23620 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5875
Document Number	0055450410
Book / Page	5545 / 410
Map Reference	LB JWW 68 FO 83
Instrument Date	Nov 4, 2020
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	23620 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5875

Mortgage

Document Number	0055450414
Date	Nov 20, 2020
Book Page	5545/414

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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		$571,567 (+5.57%)	$631,900 (+16.72%) Land $109,600 Building $522,300
2025	$6,017.00 (+13.34%) Homeowner's exemption	$541,400 (+18.18%) Land $104,400 Building $437,000	$541,400 (-) Land $104,400 Building $437,000
2023	$5,309.00 Homeowner's exemption	$458,133	$541,400 Land $104,400 Building $437,000

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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