Calvert County property record for 5645 Arbor Cir, Saint Leonard, MD 20685
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,750 sqft · built 1995 |
| Lot Size | 0.577 acres (25,113 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Jan 2020) |
| Tax Bill | $3,278 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jan 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-040359 |
| Primary APN | 01-040359 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,750 sqft Total Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 25,113 sqft (0.577 acres) |
| Garage Type | Mixed |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 352 sqft |
| Patio Area | 94 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 040359 |
|---|---|
| Street Address | 5645 ARBOR CIR |
| City | SAINT LEONARD |
| State | MD |
| Zip | 20685-2602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LT 10R BLK 6 SEC C FLAG HARBOR HGTS |
| Legal Subdivision | FLAG HARBOR HEIGHTS |
| Legal Block | 6 |
| Legal Lot Number | 10R |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 1, SOLOMONS ISLAND |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 861100 |
5645 Arbor Cir is owned and occupied by two individuals who bought it in January 2020.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5645 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 9, 2021 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Jan 30, 2020 | Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 23, 2020 | Correction Deed LAKESIDE TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2020 · Amount on File |
| Deed Sale | Jan 30, 2020 · Amount on File |
| Prior Sale | Apr 2, 2013 · Amount on File |
| Deed Book / Page | 5520 / 208 |
| Prior Transfer Date | Jan 20, 2020 |
| Prior Transfer Doc | 0055160104 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 5645 ARBOR CIR, SAINT LEONARD, MD 20685-2602 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0058840206 |
|---|---|
| Date | Mar 9, 2021 |
| Book Page | 5884/206 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jan 30, 2020 |
| Property Address | 5645 ARBOR CIR, SAINT LEONARD, MD 20685-2602 |
| Document Number | 0055200208 |
| Book / Page | 5520 / 208 |
| Map Reference | LB KPS 4 FO 357 |
| Instrument Date | Jan 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | LAKESIDE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $837.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5645 ARBOR CIR, SAINT LEONARD, MD 20685-2602 |
| Document Number | 5520215 |
|---|---|
| Date | Jan 30, 2020 |
| Instrument | 5520/215 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jan 23, 2020 |
| Property Address | 5645 ARBOR CIR, SAINT LEONARD, MD 20685-2602 |
| Document Number | 0055160104 |
| Book / Page | 005516 / 000104 |
| Instrument Date | Jan 20, 2020 |
| Record Updated | Feb 11, 2020 |
| Title Company | LAKESIDE TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 5645 ARBOR CIR ST LEONARD MD 206852602, ST LEONARD, MD 20685-2602 |
The 2025 property tax bill for 5645 Arbor Cir was $3,278 with a homeowner's exemption.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $459,800 Land $102,000 Building $357,800 | $459,800 Land $102,000 Building $357,800 | |
| 2025 | $3,278.00 | ||
| 2023 | $3,698.00 Homeowner's exemption | $356,000 Land $102,000 Building $254,000 | $356,000 Land $102,000 Building $254,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5645 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 5645 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 |
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