42265 Riverwinds Dr, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 42265 Riverwinds Dr, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,404 sqft · built 2002
Lot Size	0.899 acres (39,141 sqft)
Owner	2 Trust Names on Record
Last Sale	$200,000 (Sep 2000)
Tax Bill	$9,752 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jul 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`03-029778`

Property Details

APN / Parcel Number

Primary APN	`03-029778`
Alternative APNs	`3029778` `029778`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,404 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	39,141 sqft (0.899 acres)
View / Lot	Waterfront
Garage Type	Built-in
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	344 sqft
Deck Area	232 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	029778
Street Address	42265 RIVERWINDS DR
City	LEONARDTOWN
State	MD
Zip	20650-5725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT-500-24 PLAT 12/98 RIVERSIDE
Legal Subdivision	RIVERSIDE
Legal Lot Number	24
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	1
Census Block	1028
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 Trust Names on Record
Mailing Address	42265 RIVERWINDS DR, LEONARDTOWN, MD 20650-5725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Line of Credit RAYMOND JAMES BANK NA
Jul 15, 2019	Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2000 · Amount on Record
Deed Sale	Sep 29, 2000 · Amount on Record
Prior Sale	Nov 24, 1981 · Amount on Record
Deed Document Number	2000671
Deed Book / Page	1575 / 606
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	42265 RIVERWINDS DR, LEONARDTOWN, MD 20650-5725
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42265 RIVERWINDS DR, LEONARDTOWN, MD 20650-5725

Mortgage

Document Number	0068730423
Date	Mar 30, 2026
Book Page	6873/423

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank
Address	SAINT PETERSBURG, FL 33716

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST MARY'S MD
Property Address	42265 RIVERWINDS DR, LEONARDTOWN, MD 20650-5725
Document Number	0051710300
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Oct 16, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42265 RIVERWINDS DR LEONARDTOWN MD 206505725, LEONARDTOWN, MD 20650-5725

Mortgage

Document Number	0051710300
Date	Sep 30, 2019
Book Page	005171/000300

Lender

Name	SUNTRUST BK
Type	Bank
Address	BALTIMORE, MD 21202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 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		$973,267 (+2.97%)	$1,029,400 (+8.91%) Land $347,300 Building $682,100
2025	$9,752.00 (+11.89%) Homeowner's exemption	$945,200 (+10.12%) Land $347,300 Building $597,900	$945,200 (-) Land $347,300 Building $597,900
2023	$8,716.00 Homeowner's exemption	$858,333	$945,200 Land $347,300 Building $597,900

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	40 (1985–2024)
Claims Outside the SFHA	20 of 40
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 23 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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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