Calvert County property record for 45 David Gray Rd, Saint Leonard, MD 20685
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,468 sqft · built 2022 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $85,500 (Feb 2021) |
| Tax Bill | $6,882 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Mar 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-253031 |
| Primary APN | 01-253031 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,468 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Mixed |
| Garage Area | 1,936 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 253031 |
|---|---|
| Street Address | 45 DAVID GRAY RD |
| City | SAINT LEONARD |
| State | MD |
| Zip | 20685-2932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 AC 45 DAVID GRAY RD ST LEONARD |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 2, PRINCE FREDERICK |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 860801 |
Source: Calvert County records, as of June 4, 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 | 45 DAVID GRAY RD, SAINT LEONARD, MD 20685-2932 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage QUALITY BUILT HOMES INC |
| Mar 7, 2022 | Deed of Trust, Mortgage · Line of Credit EDUCATIONAL SYSTEMS FCU |
| Nov 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP |
| Feb 9, 2021 | Deed, Construction Loan · Construction Mortgage MCLEAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2021 · Amount on Record |
| Deed Sale | Feb 9, 2021 · Amount on Record |
| Deed Book / Page | 5851 / 337 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | May 26, 2026 |
| Property Address | 45 DAVID GRAY RD, SAINT LEONARD, MD 20685-2932 |
| Document Number | 6905000096 |
| Book / Page | 6905 / 96 |
| Instrument Date | May 6, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 45 DAVID GRAY RD, SAINT LEONARD, MD 20685-2932 |
| Document Number | 6905000096, |
|---|---|
| Date | May 26, 2026 |
| Book Page | 6905/96 |
| Name | QUALITY BUILT HOMES INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 45 DAVID GRAY RD, SAINT LEONARD, MD 20685-2932 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0062330129 |
|---|---|
| Date | Mar 7, 2022 |
| Book Page | 6233/129 |
| Name | EDUCATIONAL SYSTEMS FCU |
|---|---|
| Type | Credit Union |
| Address | GREENBELT, MD 20770 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 6, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 45 DAVID GRAY RD, SAINT LEONARD, MD 20685-2932 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Title Company | BRENNAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0061390522 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 6139/522 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Feb 9, 2021 |
| Property Address | 45 DAVID GRAY RD, SAINT LEONARD, MD 20685-2932 |
| Document Number | 0058510337 |
| Book / Page | 5851 / 337 |
| Instrument Date | Jan 19, 2021 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 19, 2022 |
| Title Company | NOT AVAILABLE, BRENNAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $427.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0005851342 |
|---|---|
| Date | Feb 9, 2021 |
| Instrument | 5851/342 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jan 1, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Feb 1, 2021 |
| Change Frequency | Annually |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 16.2% |
| Index | Prime Rate |
| Margin | 1 |
| Max Rate | 12% |
Source: Calvert County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,882.00 (+26.76%) | $617,267 (+18.11%) | $664,600 (+27.17%) Land $130,500 Building $534,100 |
| 2023 | $5,429.00 | $522,600 Land $130,500 Building $392,100 | $522,600 Land $130,500 Building $392,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2016 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · above 83% of Maryland |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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