41409 Silver Charm Ct, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 41409 Silver Charm Ct, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,148 sqft · built 2009
Lot Size	0.306 acres (13,319 sqft)
Owner	2 Individual Names on File
Last Sale	$362,507 (Nov 2009)
Tax Bill	$4,878 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-083624`

Property Details

APN / Parcel Number

Primary APN	`03-083624`
Alternative APN	`083624`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,148 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,319 sqft (0.306 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	083624
Street Address	41409 SILVER CHARM CT
City	LEONARDTOWN
State	MD
Zip	20650-5854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDM
Legal Description	LOT 136 PLAT 66/25 LEONARD'S GRANT SUB
Legal Subdivision	GRANT SUB
Legal Lot Number	136
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	1
Census Block	1012
Census Tract	875502

Owner

41409 Silver Charm Ct is owned and occupied by two individuals who bought it in November 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	41409 SILVER CHARM CT, LEONARDTOWN, MD 20650-5854
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2009 · Amount on File
Deed Sale	Nov 18, 2009 · Amount on File
Deed Document Number	2009930
Deed Book / Page	3370 / 561
Record Updated	Oct 29, 2026

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Aug 31, 2017
Property Address	41409 SILVER CHARM CT, LEONARDTOWN, MD 20650-5854
Document Number	0047150001
Book / Page	004715 / 000001
Instrument Date	Aug 21, 2017
Transaction Type	Transfer
Record Updated	Nov 30, 2017
Title Company	BAY COUNTY SETTLEMENTS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45495 WEXFORD WAY GREAT MILLS MD 206343422, GREAT MILLS, MD 20634-3422
Investor	Possibly a Property Investor

Mortgage

Document Number	47150009
Date	Aug 31, 2017
Book Page	004715/000009

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 41409 Silver Charm Ct was $4,878.

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

Property Jurisdictions

Type	Name
State	Maryland
County	St. Mary's County
Municipality	Leonardtown Town
Unified School District	St. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$423,833	$469,300 Land $113,500 Building $355,800
2025	$4,878.00
2023	$4,245.00	$364,500	$401,100 Land $107,900 Building $293,200

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

Flood

FEMA maps place 41409 Silver Charm Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2020.

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 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	Tropical Storm Isaias, Aug 2020 · 3 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 41409 Silver Charm Ct is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 76% of Maryland
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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