41480 Charles St, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 41480 Charles St, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,528 sqft · built 1962
Lot Size	0.479 acres (20,873 sqft)
Owner	Individual Name on Record
Last Sale	$412,000 (May 2026)
Tax Bill	$3,516 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jul 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-010872`

Property Details

APN / Parcel Number

Primary APN	`03-010872`
Alternative APNs	`3010872` `010872`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,528 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,873 sqft (0.479 acres)
Garage Type	Built-in
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	010872
Street Address	41480 CHARLES ST
City	LEONARDTOWN
State	MD
Zip	20650-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	LOT 8 SECTION 1 TUDOR PARK
Legal Subdivision	TUDOR HALL FARM SEC 01
Legal Lot Number	8
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	2
Census Block	2000
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	Individual Name on Record
Mailing Address	41480 CHARLES ST, LEONARDTOWN, MD 20650-2011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed, Transfer · Conventional Mortgage UNIVERSAL MORTGAGE AND FINANCIAL
Jul 19, 2017	Deed of Trust, Mortgage · Line of Credit VIRGINIA PARTNERS BANK
Aug 7, 2020	Deed, Transfer · Conventional Mortgage UNIVERSAL MORTGAGE & FINANCE INC
Jan 26, 2018	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Apr 3, 2017	Quit Claim Deed, Transfer SOUTHERN MARYLAND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Prior Sale	Aug 7, 2020 · Amount on Record
Deed Book / Page	6908 / 170
Prior Transfer Date	Mar 24, 2017
Prior Transfer Doc	0046160137
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	May 26, 2026
Property Address	41480 CHARLES ST, LEONARDTOWN, MD 20650-2011
Document Number	6908000170
Book / Page	6908 / 170
Instrument Date	May 22, 2026
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	BLUE COAST TITLE, BLUE CRAB TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$41,612.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41480 CHARLES ST, LEONARDTOWN, MD 20650-2011

Mortgage

Document Number	6908000180,
Date	May 26, 2026
Book Page	6908/180

Lender

Name	UNIVERSAL MORTGAGE AND FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	41480 CHARLES ST, LEONARDTOWN, MD 20650-2011
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	SOUTHERN MARYLAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046880160
Date	Jul 19, 2017
Book Page	4688/160
Instrument	4688-160

Lender

Name	VIRGINIA PARTNERS BANK
Type	Bank
Address	FREDERICKSBURG, VA 22401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Aug 7, 2020
Property Address	41480 CHARLES ST, LEONARDTOWN, MD 20650-2011
Document Number	0054210202
Book / Page	5421 / 202
Map Reference	MB CBG 3 PL 103
Instrument Date	Jul 31, 2020
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	BUYERS TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,123.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	41480 CHARLES ST, LEONARDTOWN, MD 20650-2011

Mortgage

Document Number	5421207
Date	Aug 7, 2020
Instrument	5421/207

Lender

Name	UNIVERSAL MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jan 26, 2018
Property Address	41480 CHARLES ST, LEONARDTOWN, MD 20650-2011
Document Number	0048070273
Book / Page	4807 / 273
Map Reference	MB CBG3 PL103
Instrument Date	Jan 12, 2018
Instrument	4807-273
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,823.75
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	41480 CHARLES ST, LEONARDTOWN, MD 20650-2011

Mortgage

Document Number	4807281
Date	Jan 26, 2018
Instrument	4807-281

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST MARY'S MD
Recording Date	Apr 3, 2017
Property Address	41480 CHARLES ST, LEONARDTOWN, MD 20650-2011
Document Number	0046160037
Book / Page	004616 / 000037
Instrument Date	Mar 24, 2017
Transaction Type	Transfer
Record Updated	Jul 7, 2017
Title Company	SOUTHERN MARYLAND TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	41480 CHARLES ST LEONARDTOWN MD 206502011, LEONARDTOWN, MD 20650-2011

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
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		$288,867 (+0.76%)	$293,200 (+2.27%) Land $107,200 Building $186,000
2025	$3,516.00 (+13.97%)	$286,700 (+9.22%) Land $107,200 Building $179,500	$286,700 (-) Land $107,200 Building $179,500
2023	$3,085.00	$262,500	$286,700 Land $107,200 Building $179,500

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	10 (1998–2024)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 5 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 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.

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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