5409 Chesapeake Ave, Saint Leonard, MD 20685 Property Records

Calvert County property record for 5409 Chesapeake Ave, Saint Leonard, MD 20685

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,152 sqft · built 1990
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jun 2019)
Tax Bill	$3,362 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-210661`

Property Details

APN / Parcel Number

Primary APN	`01-210661`
Alternative APNs	`1210661` `210661`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Total Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	210661
Street Address	5409 CHESAPEAKE AVE
City	SAINT LEONARD
State	MD
Zip	20685-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 21R BLK 7 CALVERT BEACH
Legal Subdivision	CALVERT BEACH SUBDIVISION
Legal Block	7
Legal Lot Number	21R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1028
Census Tract	861100

Owner

Source: Calvert County records, as of July 28, 2026

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	5409 CHESAPEAKE AVE, SAINT LEONARD, MD 20685-2203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage EQUITY RESOURCES INC
Jun 21, 2019	Grant Deed, Transfer · Conventional with PMI EQUITY RSRCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2019 · Amount on Record
Deed Sale	Jun 21, 2019 · Amount on Record
Prior Sale	Jun 25, 2015 · Amount on Record
Deed Book / Page	5380 / 408
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	5409 CHESAPEAKE AVE, SAINT LEONARD, MD 20685-2203
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	BRIDGEVIEW TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5409 CHESAPEAKE AVE, SAINT LEONARD, MD 20685-2203

Mortgage

Document Number	0061010466
Date	Oct 5, 2021
Book Page	6101/466

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company
Address	NEWARK, OH 43055

Agreement

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

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 21, 2019
Property Address	5409 CHESAPEAKE AVE, SAINT LEONARD, MD 20685-2203
Document Number	0053800408
Book / Page	005380 / 000408
Instrument Date	Jun 19, 2019
Transaction Type	Transfer
Record Updated	Jul 2, 2019
Title Company	BRIDGEVIEW TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	5409 CHESAPEAKE AVE ST LEONARD MD 206852203, ST LEONARD, MD 20685-2203

Mortgage

Document Number	53800414
Date	Jun 21, 2019
Book Page	005380/000414

Lender

Name	EQUITY RSRCS
Type	Funding / Finance Company
Address	NEWARK, OH 43055

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2049

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 28, 2026

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
2026		$318,100 (+25.43%) Land $128,400 Building $189,700	$318,100 (+25.43%) Land $128,400 Building $189,700
2025	$3,362.00 (+27.64%)
2023	$2,634.00 Homeowner's exemption	$253,600 Land $128,400 Building $125,200	$253,600 Land $128,400 Building $125,200

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 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	Low lower than 65% of the US · above 71% of Maryland
Wildfire Likelihood	0.04% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BEACHES WATER CO-OPERATIVE private · serves 2,000 people · EPA ID MD0040009
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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