39862 Big Pine Trl, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 39862 Big Pine Trl, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,656 sqft · built 2002
Lot Size	0.207 acres (9,025 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Jun 2024)
Tax Bill	$3,254 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-057070`

Property Details

APN / Parcel Number

Primary APN	`03-057070`
Alternative APNs	`3057070` `057070`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,656 sqft Total Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,025 sqft (0.207 acres)
Garage Type	Detached
Garage Area	312 sqft
Deck Area	35 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	057070
Street Address	39862 BIG PINE TRL
City	LEONARDTOWN
State	MD
Zip	20650-2569
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC
Legal Description	LOT 500-25
Legal Subdivision	THE WOODS AT BAYSIDE
Legal Block	5
Legal Lot Number	25
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	4
Census Block	4003
Census Tract	875400

Owner

39862 Big Pine Trl is owned and occupied by two individuals who bought it in June 2024.

Source: St. Mary's County records, as of October 19, 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	39862 BIG PINE TRL, LEONARDTOWN, MD 20650-2569
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
May 3, 2022	Deed, Transfer · FHA Mortgage FIRST WASHINGTON MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2024 · Amount on File
Deed Sale	Jun 10, 2024 · Amount on File
Prior Sale	May 3, 2022 · Amount on File
Deed Book / Page	6522 / 263
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Recording Date	Apr 7, 2026
Property Address	39862 BIG PINE TRL, LEONARDTOWN, MD 20650-2569
Document Number	6878000270
Book / Page	6878 / 270
Instrument Date	Mar 5, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	39862 BIG PINE TRL, LEONARDTOWN, MD 20650-2569

Mortgage

Document Number	6878000270,
Date	Apr 7, 2026
Book Page	6878/270

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Jun 1, 2054

Interest

Rate	6.11%
Max Rate	-1%

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	May 3, 2022
Property Address	39862 BIG PINE TRL, LEONARDTOWN, MD 20650-2569
Document Number	0061340047
Book / Page	6134 / 47
Map Reference	LB 41 FO 46
Instrument Date	Apr 22, 2022
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,575.00
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	39862 BIG PINE TRL, LEONARDTOWN, MD 20650-2569

Mortgage

Document Number	0000613456
Date	May 3, 2022
Instrument	6134/56

Lender

Name	FIRST WASHINGTON MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 39862 Big Pine Trl was $3,254.

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

Property Jurisdictions

Type	Name
State	Maryland
County	St. Mary's County
Unified School District	St. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$320,300 (+8.8%)	$372,100 (+26.39%) Land $106,000 Building $266,100
2025	$3,254.00	$294,400 Land $94,900 Building $199,500	$294,400 Land $94,900 Building $199,500
2023	$2,731.00	$258,800	$294,400 Land $94,900 Building $199,500

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

Flood

FEMA maps place 39862 Big Pine Trl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2003–2006)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2006 · rainfall accumulation

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 39862 Big Pine Trl 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 80% of the US · above 41% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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