5650 Arbor Cir, Saint Leonard, MD 20685 Property Records

Calvert County property record for 5650 Arbor Cir, Saint Leonard, MD 20685

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,872 sqft · built 1995
Lot Size	0.313 acres (13,650 sqft)
Owner	Individual Name on File
Last Sale	$28,000 (Jul 1995)
Tax Bill	$1,534 (2025)
Deeds & Mortgages	Oct 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`01-041142`

Property Details

APN / Parcel Number

Primary APN	`01-041142`
Alternative APNs	`1041142` `041142`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,872 sqft Total Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,650 sqft (0.313 acres)
Garage Type	Detached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	80 sqft
Deck Area	352 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	041142
Street Address	5650 ARBOR CIR
City	SAINT LEONARD
State	MD
Zip	20685-2601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 8 BLK 6 SEC C FLAG HARBOR HGTS
Legal Subdivision	FLAG HARBR HTS
Legal Block	6
Legal Lot Number	8
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	1
Census Block	1018
Census Tract	861100

Owner

5650 Arbor Cir is owned and occupied by an individual who acquired it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	5650 ARBOR CIR, SAINT LEONARD, MD 20685-2601
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 1995 · Amount on File
Deed Sale	Jul 27, 1995 · Amount on File
Deed Book / Page	809 / 168
Last Transfer Date	Sep 9, 2020
Transfer Doc	0057320324
Record Updated	Sep 20, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 16, 2020
Property Address	5650 ARBOR CIR, SAINT LEONARD, MD 20685-2601
Document Number	0057320324
Book / Page	005732 / 000324
Instrument Date	Sep 9, 2020
Transaction Type	Transfer
Record Updated	Feb 4, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5650 ARBOR CIR ST LEONARD MD 206852601, ST LEONARD, MD 20685-2601

Tax Assessment & Valuation

The 2025 property tax bill for 5650 Arbor Cir was $1,534.

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		$390,900 (+8.93%) Land $92,300 Building $298,600	$390,900 (-) Land $92,300 Building $298,600
2025	$1,534.00	$358,867	$390,900 Land $92,300 Building $298,600
2023	$3,062.00	$294,800 Land $92,300 Building $202,500	$294,800 Land $92,300 Building $202,500

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

Flood

FEMA maps place 5650 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	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 5650 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.

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