Calvert County property record for 5635 Arbor Cir, Saint Leonard, MD 20685
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,988 sqft · built 2019 |
| Lot Size | 0.315 acres (13,740 sqft) |
| Owner | Individual Name on File |
| Last Sale | $444,000 (Mar 2021) |
| Tax Bill | $3,789 (2023) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Apr 2019 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-252473 |
| Primary APN | 01-252473 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,988 sqft Total Area |
| Basement Area | 836 sqft |
| Finished Basement | 836 sqft |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,740 sqft (0.315 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 252473 |
|---|---|
| Street Address | 5635 ARBOR CIR |
| City | SAINT LEONARD |
| State | MD |
| Zip | 20685-2602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LT 9 BLK 6 SEC C FLAG HARBOR HGTS |
| Legal Subdivision | FLAG HARBOR HEIGHTS |
| Legal Block | 6 |
| Legal Lot Number | 9 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 861100 |
5635 Arbor Cir is owned and occupied by an individual who bought it in March 2021.
Source: Calvert County records, as of September 18, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5635 ARBOR CIR, SAINT LEONARD, MD 20685-2602 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 30, 2021 | Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Apr 2, 2019 | Deed of Trust, Mortgage · Construction Mortgage OLD LINE BANK |
| Jun 5, 2020 | Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Feb 8, 2019 | Grant Deed, Transfer MARYLAND TRUST TITLE AND ESCROW LLC, MARYLAND TR TITLE & ESCROW LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2021 · Amount on File |
| Deed Sale | Mar 30, 2021 · Amount on File |
| Prior Sale | Jun 5, 2020 · Amount on File |
| Deed Document Number | 0005912320 |
| Deed Book / Page | 5912 / 320 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Mar 30, 2021 |
| Property Address | 5635 ARBOR CIR, SAINT LEONARD, MD 20685-2602 |
| Document Number | 0059120320 |
| Book / Page | 5912 / 320 |
| Map Reference | LB JLB 1 FO 56 |
| Instrument Date | Mar 25, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2021 |
| Title Company | BUYERS TITLE, BUYERS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 5912323 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 5912/323 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 5635 ARBOR CIR, SAINT LEONARD, MD 20685-2602 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MARYLAND TRUST T&E LLC |
| Name | Verified Name |
|---|
| Document Number | 0053380311 |
|---|---|
| Date | Apr 2, 2019 |
| Book Page | 5338/311 |
| Name | OLD LINE BANK |
|---|---|
| Type | Bank |
| Address | BOWIE, MD 20716 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 5, 2020 |
| Property Address | 5635 ARBOR CIR, SAINT LEONARD, MD 20685-2602 |
| Document Number | 0056070641 |
| Book / Page | 5607 / 641 |
| Map Reference | LB JLB 1 FO 56 |
| Instrument Date | May 28, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | BUYERS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,999.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 5635 ARBOR CIR, SAINT LEONARD, MD 20685-2602 |
| Document Number | 5607644 |
|---|---|
| Date | Jun 5, 2020 |
| Instrument | 5607/644 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Feb 8, 2019 |
| Property Address | 5635 ARBOR CIR, SAINT LEONARD, MD 20685-2602 |
| Document Number | 0053160163 |
| Book / Page | 005316 / 000163 |
| Instrument Date | Jan 31, 2019 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2019 |
| Title Company | MARYLAND TRUST TITLE AND ESCROW LLC, MARYLAND TR TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $30.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 5635 ARBOR CIR ST LEONARD MD 20685, ST LEONARD, MD 20685 |
Source: Calvert County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $3,789.00 | $364,700 Land $92,400 Building $272,300 | $364,700 Land $92,400 Building $272,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5635 Arbor Cir in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 2003.
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 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 |
|
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 risk around 5635 Arbor Cir is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 73% of Maryland |
|---|---|
| Wildfire Likelihood | 0.05% 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: 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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures