440 Windmill Dr, Saint Leonard, MD 20685 Property Records

Calvert County property record for 440 Windmill Dr, Saint Leonard, MD 20685

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,001 sqft · built 2003
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on Record
Last Sale	$372,299 (Mar 2018)
Tax Bill	$3,651 (2023)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-236563`

Property Details

APN / Parcel Number

Primary APN	`01-236563`
Alternative APNs	`1236563` `236563`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,001 sqft Total Area
1st Floor Area	1,716 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Built-in
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	236563
Old Parcel Number	1236563
Street Address	440 WINDMILL DR
City	SAINT LEONARD
State	MD
Zip	20685-2564
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 25 SEC 2 PLAT 1 PARRAN'S GRANT
Legal Subdivision	PARRANS GRANT
Legal Lot Number	25
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1032
Census Tract	861100

Owner

Source: Calvert County records, as of September 18, 2023

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	440 WINDMILL DR, SAINT LEONARD, MD 20685-2564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2020	Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAP
Mar 28, 2018	Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2018 · Amount on Record
Deed Sale	Mar 28, 2018 · Amount on Record
Prior Sale	Sep 30, 2014 · Amount on Record
Deed Document Number	182433
Deed Book / Page	5164 / 237
Record Updated	Jun 7, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	440 WINDMILL DR, SAINT LEONARD, MD 20685-2564
Document Number	0055660089
Instrument Date	Apr 7, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	440 WINDMILL DR ST LEONARD MD 206852564, ST LEONARD, MD 20685-2564

Mortgage

Document Number	0055660089
Date	Apr 14, 2020
Book Page	005566/000089

Lender

Name	INTERCONTINENTAL CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2050

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Mar 28, 2018
Property Address	440 WINDMILL DR, SAINT LEONARD, MD 20685-2564
Document Number	0051640237
Book / Page	5164 / 237
Map Reference	MBBJS1 PL88
Instrument Date	Mar 23, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	BRENNAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.75
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
Address	440 WINDMILL DR, SAINT LEONARD, MD 20685-2564

Mortgage

Document Number	0005164243
Date	Mar 28, 2018
Instrument	5164/243

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,651.00 Homeowner's exemption	$351,400 Land $161,600 Building $189,800	$351,400 Land $161,600 Building $189,800

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 April 18, 2021 · 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 Record median of 122 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	122 in force
Nearby Flood Claims	17 (2003–2025)
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 7 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	Moderate above 52% of the US · above 89% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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