Calvert County property record for 3105 Lloyd Bowen Rd, Saint Leonard, MD 20685
| Property Type | Rural Home |
|---|---|
| Details | 3 ba · 3,700 sqft · built 1988 |
| Lot Size | 42.2 acres (1,842,152 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $865,000 (Dec 2016) |
| Tax Bill | $11,971 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-202944 |
| Primary APN | 01-202944 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 3,700 sqft Total Area |
| Basement Area | 6,500 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,842,152 sqft (42.2 acres) |
| Garage Type | Mixed |
| Garage Area | 2,192 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Area | 544 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 696 sqft |
| Deck Area | 416 sqft |
| Stable | 2,592 sqft |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 202944 |
|---|---|
| Street Address | 3105 LLOYD BOWEN RD |
| City | SAINT LEONARD |
| State | MD |
| Zip | 20685-2408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RUR |
| Legal Description | 42.29 AC N/S LLOYD BOWEN RD ISLAND CREEK |
| Legal Subdivision | ISLAND CREEK |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 860801 |
Source: Calvert County records, as of July 28, 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 | 3105 LLOYD BOWEN RD, SAINT LEONARD, MD 20685-2408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2016 · Amount on Record |
| Deed Sale | Dec 23, 2016 · Amount on Record |
| Prior Sale | Jun 9, 2016 · Amount on Record |
| Deed Book / Page | 4912 / 248 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 3105 LLOYD BOWEN RD, SAINT LEONARD, MD 20685-2408 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0056470540 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 5647/540 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,184,000 (+24.27%) Land $264,100 Building $919,900 | $1,184,000 (+24.27%) Land $264,100 Building $919,900 | |
| 2025 | $11,971.00 (+20.93%) | ||
| 2023 | $9,899.00 Homeowner's exemption | $952,800 Land $264,100 Building $688,700 | $952,800 Land $264,100 Building $688,700 |
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 April 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 42 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 30 (1991–2021) |
| Claims Outside the SFHA | 8 of 30 |
| Most Recent Claim | Oct 2021 · river or lake flooding |
| Claims by Event |
|
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 | Moderate above 42% of the US · above 82% of Maryland |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G and 4G LTE (outdoors only)
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