St. Mary's County property record for 41389 Silver Charm Ct, Leonardtown, MD 20650
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,494 sqft · built 2011 |
| Lot Size | 0.256 acres (11,131 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $439,900 (Jun 2014) |
| Tax Bill | $6,776 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-087999 |
| Primary APN | 03-087999 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,494 sqft Total Area |
| Basement Area | 782 sqft |
| Finished Basement | 782 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,131 sqft (0.256 acres) |
| Garage Type | Mixed |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 160 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 087999 |
|---|---|
| Street Address | 41389 SILVER CHARM CT |
| City | LEONARDTOWN |
| State | MD |
| Zip | 20650-5866 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 177 PHASE 3 LEONARD'S GRANT |
| Legal Subdivision | LEONARDS GRANT PH 3 |
| Legal Phase | 3 |
| Legal Lot Number | 177 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 3, LEONARDTOWN |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 875502 |
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 | 40080 GREENTREE DR, LEONARDTOWN, MD 20650-5651 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2020 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Apr 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Nov 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SEVERN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2014 · Amount on Record |
| Deed Sale | Jun 24, 2014 · Amount on Record |
| Prior Sale | Jun 30, 2011 · Amount on Record |
| Deed Book / Page | 4049 / 677 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 41389 SILVER CHARM CT, LEONARDTOWN, MD 20650-5866 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0054410334 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 5441/334 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 41389 SILVER CHARM CT, LEONARDTOWN, MD 20650-5866 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | TRI COUNTY ABSTRACT INC |
| Name | Verified Name |
|---|---|
| Address | 217 PELAGIC LN, SOLOMONS, MD 20688-3146 |
| Document Number | 0057330424 |
|---|---|
| Date | Apr 15, 2021 |
| Book Page | 5733/424 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 41389 SILVER CHARM CT, LEONARDTOWN, MD 20650-5866 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | BAY COUNTY SETTLEMENTS INC, BAY COUNTY SETTLEMENT INC |
| Name | Verified Name |
|---|
| Document Number | 0059800103 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 5980/103 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.67% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 8.87% |
| Index | 12-Month MTA |
| Max Rate | 8.87% |
Source: St. Mary's County assessment roll, as of September 22, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Municipality | Leonardtown Town |
| Unified School District | St. Marys County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $594,733 (+17.72%) | $663,000 (+18.27%) Land $112,200 Building $550,800 | |
| 2025 | $6,776.00 (+15.93%) | ||
| 2023 | $5,845.00 Homeowner's exemption | $505,200 | $560,600 Land $106,600 Building $454,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 3 (2020) |
| Most Recent Claim | Aug 2020 · Tropical Storm Isaias |
| Claims by Event |
|
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.
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 | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF LEONARDTOWN serves 5,000 people · EPA ID MD0180006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 264 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Breezeline Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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