43031 Fairgrounds Rd, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 43031 Fairgrounds Rd, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,456 sqft · built 2016
Lot Size	1.58 acres (68,825 sqft)
Owner	2 Individual Names on File
Last Sale	$289,000 (Mar 2017)
Tax Bill	$3,747 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-072010`

Property Details

APN / Parcel Number

Primary APN	`03-072010`
Alternative APN	`072010`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	68,825 sqft (1.58 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	138 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	072010
Street Address	43031 FAIRGROUNDS RD
City	LEONARDTOWN
State	MD
Zip	20650-3513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 5000-2A PLAT 56/28 PONDEROSA ESTATES
Legal Subdivision	PONDEROSA ESTATES
Legal Lot Number	5000
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	1
Census Block	1031
Census Tract	875501

Owner

43031 Fairgrounds Rd is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	43031 FAIRGROUNDS RD, LEONARDTOWN, MD 20650-3513
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

Date	Document
Jun 1, 2023	Deed of Trust, Mortgage · Line of Credit CEDAR POINT FCU
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC
Mar 30, 2017	Grant Deed, Transfer · FHA Mortgage CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2017 · Amount on File
Deed Sale	Mar 30, 2017 · Amount on File
Prior Sale	Jun 4, 2014 · Amount on File
Deed Document Number	20174614-237
Deed Book / Page	4614 / 237
Prior Transfer Date	Sep 21, 2005
Prior Transfer Doc	0026280547
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	43031 FAIRGROUNDS RD, LEONARDTOWN, MD 20650-3513
Transaction Type	Mortgage
Record Updated	Jun 21, 2023
Title Company	BLUE CRAB TITLE ESCROW LLC, BLUE CRAB TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063450263
Date	Jun 1, 2023
Book Page	6345/263

Lender

Name	CEDAR POINT FCU
Type	Credit Union
Address	LEXINGTON PARK, MD 20653

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 31, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	43031 FAIRGROUNDS RD, LEONARDTOWN, MD 20650-3513
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	LIGHTHOUSE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059680348
Date	Oct 28, 2021
Book Page	5968/348

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Mar 30, 2017
Property Address	43031 FAIRGROUNDS RD, LEONARDTOWN, MD 20650-3513
Document Number	0046140237
Book / Page	004614 / 000237
Instrument Date	Mar 24, 2017
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$289.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43031 FAIRGROUNDS RD LEONARDTOWN MD 20650, LEONARDTOWN, MD 20650

Mortgage

Document Number	46140244
Date	Mar 30, 2017
Book Page	004614/000244

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 43031 Fairgrounds Rd was $3,747.

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		$348,267 (+3.99%)	$375,000 (+11.97%) Land $117,000 Building $258,000
2025	$3,747.00	$334,900 Land $116,900 Building $218,000	$334,900 Land $116,900 Building $218,000
2023	$3,240.00	$302,900	$334,900 Land $116,900 Building $218,000

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

Flood

FEMA maps place 43031 Fairgrounds Rd in Zone X, an area of minimal flood risk.

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	6 in force

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 43031 Fairgrounds Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 88% of Maryland
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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