40829 Cooper Dr, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 40829 Cooper Dr, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,106 sqft · built 1976
Lot Size	0.544 acres (23,700 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (May 2022)
Tax Bill	$4,238 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-001628`

Property Details

APN / Parcel Number

Primary APN	`03-001628`
Alternative APNs	`3001628` `001628`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,106 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	23,700 sqft (0.544 acres)
Garage Type	Attached
Garage Area	725 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	408 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	001628
Street Address	40829 COOPER DR
City	LEONARDTOWN
State	MD
Zip	20650-2600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC
Legal Description	LOT 60 SECTION 12C SOCIETY HILL
Legal Subdivision	SOCIETY HILL
Legal Lot Number	60
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	3
Census Block	3000
Census Tract	875400

Owner

40829 Cooper Dr is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	40829 COOPER DR, LEONARDTOWN, MD 20650-2600
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
Feb 22, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
May 3, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 8, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Mar 28, 2019	Grant Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2022 · Amount on File
Deed Sale	May 3, 2022 · Amount on File
Prior Sale	Mar 28, 2019 · Amount on File
Deed Book / Page	6135 / 440
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	40829 COOPER DR, LEONARDTOWN, MD 20650-2600
Transaction Type	Mortgage
Record Updated	Mar 9, 2023
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056540217
Date	Feb 22, 2021
Book Page	5654/217

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	May 3, 2022
Property Address	40829 COOPER DR, LEONARDTOWN, MD 20650-2600
Document Number	0061350440
Book / Page	6135 / 440
Map Reference	LB DBK 10 FO 70
Instrument Date	Apr 28, 2022
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	BAY COUNTY TITLE LLC, BAY COUNTY T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40829 COOPER DR, LEONARDTOWN, MD 20650-2600

Mortgage

Document Number	0006135448
Date	May 3, 2022
Instrument	6135/448

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	40829 COOPER DR, LEONARDTOWN, MD 20650-2600
Document Number	0053190053
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40829 COOPER DR LEONARDTOWN MD 206502600, LEONARDTOWN, MD 20650-2600

Mortgage

Document Number	0053190053
Date	Apr 20, 2020
Book Page	005319/000053

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 19, 2035

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Mar 28, 2019
Property Address	40829 COOPER DR, LEONARDTOWN, MD 20650-2600
Document Number	0050470303
Book / Page	005047 / 000303
Instrument Date	Mar 22, 2019
Transaction Type	Transfer
Record Updated	Apr 10, 2019
Title Company	BAY COUNTY SETTLEMENTS INC, BAY CNTY SETTLEMENTS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40829 COOPER DR LEONARDTOWN MD 206502600, LEONARDTOWN, MD 20650-2600

Mortgage

Document Number	50470311
Date	Mar 28, 2019
Book Page	005047/000311

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 27, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 40829 Cooper Dr was $4,238 with a homeowner's exemption.

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		$413,367	$420,100 Land $119,100 Building $301,000
2025	$4,238.00 Homeowner's exemption
2023	$3,790.00	$366,933	$410,000 Land $113,200 Building $296,800

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

Flood

FEMA maps place 40829 Cooper Dr in Zone X, an area of minimal flood risk, though there have been 6 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
Flood Insurance Cost	Premium on File median of 26 policies
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 Event	Hurricane Isabel, Sep 2003 · 2 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 40829 Cooper Dr 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 139 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.

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