40913 Cooper Dr, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 40913 Cooper Dr, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,810 sqft · built 1989
Lot Size	0.715 acres (31,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,900 (Aug 2019)
Tax Bill	$4,001 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-027805`

Property Details

APN / Parcel Number

Primary APN	`03-027805`
Alternative APNs	`3027805` `027805`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,810 sqft Total Area
Basement Area	740 sqft
Finished Basement	740 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood Shingle
Roof Material	Composition Shingle
Lot Area	31,143 sqft (0.715 acres)
Garage Type	Carport
Garage Area	392 sqft
Carport	Carport
Carport Area	392 sqft
Parking Spaces	1 Parking Space
Deck Area	344 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	027805
Street Address	40913 COOPER DR
City	LEONARDTOWN
State	MD
Zip	20650-2618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC
Legal Description	LOT 27 SECTION 12D SOCIETY HILL
Legal Subdivision	SOCIETY HILL
Legal Lot Number	27
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	3
Census Block	3000
Census Tract	875400

Owner

Source: St. Mary's County records, as of September 22, 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	40913 COOPER DR, LEONARDTOWN, MD 20650-2618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 7, 2019	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2019 · Amount on Record
Deed Sale	Aug 7, 2019 · Amount on Record
Prior Sale	Mar 24, 2010 · Amount on Record
Deed Book / Page	5133 / 195
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	40913 COOPER DR, LEONARDTOWN, MD 20650-2618
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40913 COOPER DR, LEONARDTOWN, MD 20650-2618

Mortgage

Document Number	0060460055
Date	Jan 20, 2022
Book Page	6046/55

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2042

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Aug 7, 2019
Property Address	40913 COOPER DR, LEONARDTOWN, MD 20650-2618
Document Number	0051330195
Book / Page	5133 / 195
Map Reference	MB 11 PG 60
Instrument Date	Jul 31, 2019
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ULTIMATE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,698.75
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	40913 COOPER DR, LEONARDTOWN, MD 20650-2618

Mortgage

Document Number	5133203
Date	Aug 7, 2019
Instrument	5133/203

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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		$361,900 (+11.8%)	$368,300 (+2.68%) Land $122,300 Building $246,000
2025	$4,001.00 (+15.94%)
2023	$3,451.00	$323,700	$358,700 Land $115,600 Building $243,100

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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.04% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cooper Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures