40435 Wathen Rd, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 40435 Wathen Rd, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,307 sqft · built 2019
Lot Size	0.691 acres (30,110 sqft)
Owner	2 Individual Names on File
Last Sale	$585,000 (Aug 2020)
Tax Bill	$6,085 (2025)
Deeds & Mortgages	Aug 2019 Construction Loan Oct 2019 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-011496`

Property Details

APN / Parcel Number

Primary APN	`03-011496`
Alternative APNs	`3011496` `011496`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	3,307 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	30,110 sqft (0.691 acres)
Garage Type	Built-in
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	266 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	011496
Street Address	40435 WATHEN RD
City	LEONARDTOWN
State	MD
Zip	20650-3734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	PARCEL A BISCHOFF SU
Legal Subdivision	PART OF BOUGHT OF PHIL KEY
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	4
Census Block	4000
Census Tract	875400

Owner

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

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 File
Mailing Address	40435 WATHEN RD, LEONARDTOWN, MD 20650-3734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2019	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY BANK OF THE CHESAPEAKE
Oct 9, 2019	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY BANK OF THE CHESAPEAKE
Aug 31, 2020	Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Nov 27, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU
Jan 15, 2019	Grant Deed, Transfer ATTORNEY ONLY
Mar 1, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Prior Sale	Nov 27, 2019 · Amount on Record
Deed Book / Page	5447 / 172
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	40435 WATHEN RD, LEONARDTOWN, MD 20650-3734
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051400134
Date	Aug 16, 2019
Book Page	5140/134

Lender

Name	COMMUNITY BANK OF THE CHESAPEAKE
Type	Bank
Address	WALDORF, MD 20601

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	40435 WATHEN RD, LEONARDTOWN, MD 20650-3734
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051800133
Date	Oct 9, 2019
Book Page	5180/133

Lender

Name	COMMUNITY BANK OF THE CHESAPEAKE
Type	Bank
Address	WALDORF, MD 20601

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Aug 31, 2020
Property Address	40435 WATHEN RD, LEONARDTOWN, MD 20650-3734
Document Number	0054470172
Book / Page	5447 / 172
Instrument Date	Aug 24, 2020
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	PARK PLACE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$7,012.50
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	40435 WATHEN RD, LEONARDTOWN, MD 20650-3734

Mortgage

Document Number	5447179
Date	Aug 31, 2020
Instrument	5447/179

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Nov 27, 2019
Property Address	40435 WATHEN RD, LEONARDTOWN, MD 20650-3734
Document Number	0052160258
Book / Page	005216 / 000258
Instrument Date	Nov 22, 2019
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$535.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40435 WATHEN RD LEONARDTOWN MD 206503734, LEONARDTOWN, MD 20650-3734

Mortgage

Document Number	52160265
Date	Nov 27, 2019
Book Page	005216/000265

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jan 15, 2019
Property Address	40435 WATHEN RD, LEONARDTOWN, MD 20650-3734
Document Number	0050110205
Book / Page	005011 / 000205
Instrument Date	Jan 2, 2019
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$23.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	20375 POPLAR RIDGE RD LEXINGTON PARK MD 206533028, LEXINGTON PARK, MD 20653-3028

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST MARY'S MD
Recording Date	Mar 1, 2018
Property Address	40435 WATHEN RD, LEONARDTOWN, MD 20650-3734
Document Number	0048240173
Book / Page	004824 / 000173
Instrument Date	Feb 3, 2018
Transaction Type	Transfer
Record Updated	Mar 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39650 CECIL AVE LEONARDTOWN MD 206502546, LEONARDTOWN, MD 20650-2546

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
Unified School District	St. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$606,867 (+13.61%)	$614,400 (+2.04%) Land $110,300 Building $504,100
2025	$6,085.00 (+12.27%) Homeowner's exemption
2023	$5,420.00 Homeowner's exemption	$534,167	$602,100 Land $109,300 Building $492,800

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 70% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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