540 Windmill Dr, Saint Leonard, MD 20685 Property Records

Calvert County property record for 540 Windmill Dr, Saint Leonard, MD 20685

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,710 sqft · built 2000
Lot Size	0.778 acres (33,931 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (May 2023)
Tax Bill	$4,036 (2023)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-236660`

Property Details

APN / Parcel Number

Primary APN	`01-236660`
Alternative APNs	`1236660` `236660`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,710 sqft Total Area
1st Floor Area	2,262 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	33,931 sqft (0.778 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	248 sqft
Deck Area	416 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	236660
Old Parcel Number	1236660
Street Address	540 WINDMILL DR
City	SAINT LEONARD
State	MD
Zip	20685-2565
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 33 SEC 2 PLAT 1 PARRAN'S GRANT
Legal Subdivision	PARRANS GRANT 1 SEC 2
Legal Lot Number	33
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1032
Census Tract	861100

Owner

Source: Calvert County assessment roll, as of July 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	540 WINDMILL DR, SAINT LEONARD, MD 20685-2565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Deed, Transfer · VA Mortgage NFM INC
Feb 3, 2020	Deed of Trust, Mortgage · Line of Credit CEDAR POINT FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 16, 2023 · Amount on Record
Deed Sale	May 16, 2023 · Amount on Record
Prior Sale	Oct 29, 1999 · Amount on Record
Deed Document Number	0000643445
Deed Book / Page	6434 / 45
Record Updated	Jun 7, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	May 16, 2023
Property Address	540 WINDMILL DR, SAINT LEONARD, MD 20685-2565
Document Number	0064340045
Book / Page	6434 / 45
Map Reference	LB BIS 1 FO 88
Instrument Date	Apr 17, 2023
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	540 WINDMILL DR, SAINT LEONARD, MD 20685-2565

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	540 WINDMILL DR, SAINT LEONARD, MD 20685-2565

Mortgage

Document Number	0000643453
Date	May 16, 2023
Instrument	6434/53

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	540 WINDMILL DR, SAINT LEONARD, MD 20685-2565
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055210196
Date	Feb 3, 2020
Book Page	5521/196

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 2, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,036.00	$388,500 Land $153,000 Building $235,500	$388,500 Land $153,000 Building $235,500

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 at the parcel

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 USA Fixed Wireless	100 / 20

May also be available: AT&T.

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