40640 Clearfields Ct, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 40640 Clearfields Ct, Leonardtown, MD 20650 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,487 sqft · built 2003
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on File
Last Sale	$419,900 (Oct 2017)
Tax Bill	$5,917 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-064263`

Property Details

APN / Parcel Number

Primary APN	`03-064263`
Alternative APNs	`3064263` `064263`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,487 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	60,984 sqft (1.4 acres)
Garage Type	Mixed
Garage Area	200 sqft
Parking Spaces	2 Parking Spaces
Deck Area	490 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	064263
Street Address	40640 CLEARFIELDS CT
City	LEONARDTOWN
State	MD
Zip	20650-2832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 PLAT 50/108 CLEARFIELDS OF BRETON BA
Legal Subdivision	CLEARFIELDS BRETON BAY
Legal Lot Number	24
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	3
Census Block	3009
Census Tract	875400

Owner

Source: St. Mary's County records · APN 03-064263

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	40640 CLEARFIELDS CT, LEONARDTOWN, MD 20650-2832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 25, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Oct 18, 2017	Deed, Transfer · Stand-Alone First Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 18, 2017 · Amount on Record
Deed Sale	Oct 18, 2017 · Amount on Record
Prior Sale	Sep 16, 2010 · Amount on Record
Deed Document Number	20174747-343
Deed Book / Page	4747 / 343
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	40640 CLEARFIELDS CT, LEONARDTOWN, MD 20650-2832
Transaction Type	Mortgage
Record Updated	May 07, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40640 CLEARFIELDS CT, LEONARDTOWN, MD 20650-2832

Mortgage

Document Number	0064940364
Date	Apr 16, 2024
Book Page	6494/364

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	477 Months
Due	Jan 01, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	40640 CLEARFIELDS CT, LEONARDTOWN, MD 20650-2832
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40640 CLEARFIELDS CT, LEONARDTOWN, MD 20650-2832

Mortgage

Document Number	0064830471
Date	Mar 25, 2024
Book Page	6483/471

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	478 Months
Due	Jan 01, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	40640 CLEARFIELDS CT, LEONARDTOWN, MD 20650-2832
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053520244
Date	May 28, 2020
Book Page	5352/244

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 01, 2045

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Oct 18, 2017
Property Address	40640 CLEARFIELDS CT, LEONARDTOWN, MD 20650-2832
Document Number	0047470343
Book / Page	4747 / 343
Map Reference	MB50 FO108
Instrument Date	Oct 11, 2017
Instrument	4747-343
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40640 CLEARFIELDS CT, LEONARDTOWN, MD 20650-2832

Mortgage

Document Number	0004747349
Date	Oct 18, 2017
Instrument	4747-349

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

Tax Assessment & Valuation

Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$572,167 (+17.82%)	$641,100 (+19.23%) Land $122,800 Building $518,300
2025	$5,917.00 (+16.07%)
2023	$5,098.00	$485,633	$537,700 Land $117,000 Building $420,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Mary's County (24037C), updated May 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240378754003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 26 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	6 (2003–2021)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2021, tidal / storm surge
Claims By Storm	Hurricane Isabel, Sep 2003 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 2,703 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 39 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cogeco Cable Holdings II	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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