23638 Pine Bluff Way, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 23638 Pine Bluff Way, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,515 sqft · built 2011
Lot Size	0.257 acres (11,202 sqft)
Owner	Individual Name on File
Last Sale	$470,326 (Oct 2011)
Tax Bill	$7,109 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-088537`

Property Details

APN / Parcel Number

Primary APN	`03-088537`
Alternative APN	`088537`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,515 sqft Total Area
Basement Area	1,250 sqft
Finished Basement	1,250 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,202 sqft (0.257 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	441 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	088537
Street Address	23638 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 227 PHASE 3 PLAT 68/83 LEONARD'S GRANT
Legal Subdivision	LEONARDS GRANT PH 03
Legal Phase	3
Legal Lot Number	227
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	1
Census Block	1070
Census Tract	875502

Owner

23638 Pine Bluff Way is owned and occupied by an individual who acquired it in January 2025.

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

Owner of Record	Individual Name on File
Mailing Address	23638 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5875
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
Dec 6, 2021	Deed of Trust, Mortgage · VA Mortgage COASTAL LENDING GROUP LLC
Mar 3, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2011 · Amount on File
Deed Sale	Oct 14, 2011 · Amount on File
Deed Document Number	20113625/0435
Deed Book / Page	3625 / 435
Last Transfer Date	Jan 20, 2025
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23638 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5875
Transaction Type	Mortgage
Record Updated	Dec 20, 2021
Title Company	USA NATIONAL TITLE COMPANY, BAY NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060060302
Date	Dec 6, 2021
Book Page	6006/302

Lender

Name	COASTAL LENDING GROUP LLC
Type	Mortgage Company
Address	SPARKS GLENCOE, MD 21152

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	23638 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5875
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	USA NATIONAL TITLE COMPANY, BAY NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23638 PINE BLUFF WAY, LEONARDTOWN, MD 20650-5875

Mortgage

Document Number	0056710440
Date	Mar 3, 2021
Book Page	5671/440

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 23638 Pine Bluff Way was $7,109.

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		$624,700	$696,900 Land $112,200 Building $584,700
2025	$7,109.00
2023	$6,124.00	$529,800	$588,600 Land $106,700 Building $481,900

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

Flood

FEMA maps place 23638 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 23638 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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