5529 Beach Dr, Saint Leonard, MD 20685 Property Records

Calvert County property record for 5529 Beach Dr, Saint Leonard, MD 20685

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,835 sqft · built 2002
Lot Size	0.753 acres (32,803 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Jan 2024)
Tax Bill	$5,138 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-187171`

Property Details

APN / Parcel Number

Primary APN	`01-187171`
Alternative APNs	`1187171` `187171`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,835 sqft Total Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	32,803 sqft (0.753 acres)
Garage Type	Basement
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	640 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	187171
Street Address	5529 BEACH DR
City	SAINT LEONARD
State	MD
Zip	20685-2255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LT 5R BLK 13 CALVERT BEACH
Legal Subdivision	CALVERT BEACH
Legal Block	13
Legal Lot Number	5R
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1007
Census Tract	861100

Owner

5529 Beach Dr is owned by two individuals who bought it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	610 ASPEN ST NW, WASHINGTON, DC 20012-2648
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2024 · Amount on File
Deed Sale	Jan 4, 2024 · Amount on File
Prior Sale	Aug 2, 2002 · Amount on File
Deed Book / Page	6520 / 130
Record Updated	Oct 29, 2026

January 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CALVERT MD
Recording Date	Jan 4, 2024
Property Address	5529 BEACH DR, SAINT LEONARD, MD 20685-2255
Document Number	0065200130
Book / Page	6520 / 130
Map Reference	LB ABE 597 FO 235
Instrument Date	Dec 4, 2023
Transaction Type	Transfer
Record Updated	Jan 18, 2024
Title Company	TITLE FORWARD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 WINDSOR RUN LN, MATTHEWS, NC 28105-0071

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5529 BEACH DR, SAINT LEONARD, MD 20685-2255

Mortgage

Document Number	0006520137
Date	Jan 4, 2024
Instrument	6520/137

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 5529 Beach Dr was $5,138.

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		$504,000 Land $108,600 Building $395,400	$504,000 Land $108,600 Building $395,400
2025	$5,138.00
2023	$3,902.00 Homeowner's exemption	$375,600 Land $108,600 Building $267,000	$375,600 Land $108,600 Building $267,000

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

Flood

FEMA maps place 5529 Beach Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 5529 Beach Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 276 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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Beach Dr

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