42285 Riverwinds Dr, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 42285 Riverwinds Dr, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,768 sqft · built 1988
Lot Size	0.994 acres (43,286 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,882 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-029751`

Property Details

APN / Parcel Number

Primary APN	`03-029751`
Alternative APNs	`3029751` `029751`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,768 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,286 sqft (0.994 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	468 sqft
Patio Area	418 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	029751
Street Address	42285 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 500-23 PLAT 12/98 RIVERSIDE
Legal Subdivision	RIVERSIDE
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 August 18, 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	42285 RIVERWINDS DR, LEONARDTOWN, MD 20650-5725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC
Aug 30, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 19, 2019	Quit Claim Deed, Transfer CORNERSTONE HM LNDG
Apr 25, 2018	Grant Deed, Transfer CORNERSTONE HM LNDG
Mar 14, 2017	Grant Deed, Transfer CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 26, 2019
Transfer Doc	0051620362
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	42285 RIVERWINDS DR, LEONARDTOWN, MD 20650-5725
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	LIGHTHOUSE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055290367
Date	Nov 9, 2020
Book Page	5529/367

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	42285 RIVERWINDS DR, LEONARDTOWN, MD 20650-5725
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42285 RIVERWINDS DR, LEONARDTOWN, MD 20650-5725

Mortgage

Document Number	0058960004
Date	Aug 30, 2021
Book Page	5896/4

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Aug 20, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST MARY'S MD
Recording Date	Sep 19, 2019
Property Address	42285 RIVERWINDS DR, LEONARDTOWN, MD 20650-5725
Document Number	0051620362
Book / Page	005162 / 000362
Instrument Date	Aug 26, 2019
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	MARYLAND TRUST TITLE AND ESCROW LLC, MARYLAND TR TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	42285 RIVERWINDS DR LEONARDTOWN MD 206505725, LEONARDTOWN, MD 20650-5725

Mortgage

Document Number	51620367
Date	Sep 19, 2019
Book Page	005162/000367

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Apr 25, 2018
Property Address	42285 RIVERWINDS DR, LEONARDTOWN, MD 20650-5725
Document Number	0048580070
Book / Page	004858 / 000070
Instrument Date	Mar 16, 2018
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	MARYLAND TRUST TITLE AND ESCROW LLC, MARYLAND TR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42285 RIVERWINDS DR LEONARDTOWN MD 206505725, LEONARDTOWN, MD 20650-5725

Mortgage

Document Number	48580077
Date	Apr 25, 2018
Book Page	004858/000077

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Mar 14, 2017
Property Address	42285 RIVERWINDS DR, LEONARDTOWN, MD 20650-5725
Document Number	0046030231
Book / Page	004603 / 000231
Instrument Date	Mar 8, 2017
Transaction Type	Transfer
Record Updated	Jun 23, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42285 RIVERWINDS DR LEONARDTOWN MD 206505725, LEONARDTOWN, MD 20650-5725

Mortgage

Document Number	46030238
Date	Mar 14, 2017
Book Page	004603/000238

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2047

Tax Assessment & Valuation

Source: St. Mary's County assessment roll, as of August 12, 2025

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		$1,009,067 (+5.19%)	$1,108,600 (+15.56%) Land $359,100 Building $749,500
2025	$9,882.00 (+11.9%) Homeowner's exemption	$959,300 (+10.23%) Land $359,100 Building $600,200	$959,300 (-) Land $359,100 Building $600,200
2023	$8,831.00 Homeowner's exemption	$870,300	$959,300 Land $359,100 Building $600,200

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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