1006 Spruce St, Waldorf, MD 20601 Property Records

Charles County property record for 1006 Spruce St, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,650 sqft · built 1966
Lot Size	0.402 acres (17,509 sqft)
Owner	Company Name on File
Last Sale	$297,840 (May 2026)
Tax Bill	$4,863 (2026)
Deeds & Mortgages	May 2026 Foreclosure Jan 2024 Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`08-022569`

Property Details

APN / Parcel Number

Primary APN	`08-022569`
Alternative APNs	`8022569` `022569`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,650 sqft Living Area
1st Floor Area	1,100 sqft
Basement Area	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	17,509 sqft (0.402 acres)
View / Lot	Waterfront
Garage Area	1,089 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	50 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	022569
Street Address	1006 SPRUCE ST
City	WALDORF
State	MD
Zip	20601-3351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	LOT 5 BLK B SEC 1 COUNTRY CLUB SO SUB
Legal Subdivision	COUNTRY CLUB SO SUB
Legal Block	B
Legal Lot Number	5
Jurisdiction	CHARLES MD
Township / Civil Division	8, BRYANTOWN
Census Block Group	1
Census Block	1011
Census Tract	850801

Owner

1006 Spruce St is owned by a company that bought it in May 2026.

Source: Charles County records, as of October 19, 2026

Owner of Record	Company Name on File
Mailing Address	1 CORPORATE DR, 360, LAKE ZURICH, IL 60047-8945
Owner Type	Company

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

Date	Document
May 6, 2026	Trustee's Deed, Foreclosure NONE LISTED ON DOCUMENT
Jan 5, 2024	Deed of Trust, Mortgage MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Dec 18, 2023	Deed of Trust, Mortgage MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Aug 28, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 15, 2022	Intrafamily Transfer, Transfer
Apr 20, 2021	Intrafamily Transfer, Transfer
Feb 16, 2021	Deed, Transfer · FHA Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on File
Deed Sale	May 6, 2026 · Amount on File
Prior Sale	Feb 16, 2021 · Amount on File
Deed Book / Page	14059 / 435
Prior Transfer Date	Apr 1, 2026
Prior Transfer Doc	0140590435
Record Updated	Oct 29, 2026

May 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CHARLES MD
Recording Date	May 6, 2026
Property Address	1006 SPRUCE ST, WALDORF, MD 20601-3351
Document Number	0140590435
Book / Page	14059 / 435
Instrument Date	Apr 1, 2026
Transaction Type	Foreclosure
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$300,818.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	1006 SPRUCE ST, WALDORF, MD 20601-3351
Transaction Type	Mortgage
Record Updated	Jan 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0131630272
Date	Jan 5, 2024
Book Page	13163/272

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Amount	Amount on Record

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	1006 SPRUCE ST, WALDORF, MD 20601-3351
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0131490485
Date	Dec 18, 2023
Book Page	13149/485

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Amount	Amount on Record

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	1006 SPRUCE ST, WALDORF, MD 20601-3351
Transaction Type	Mortgage
Record Updated	Sep 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1006 SPRUCE ST, WALDORF, MD 20601-3351

Mortgage

Document Number	0130360247
Date	Aug 28, 2023
Book Page	13036/247

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Aug 1, 2063

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLES MD
Recording Date	Jun 15, 2022
Property Address	1006 SPRUCE ST, WALDORF, MD 20601-3351
Document Number	0125950295
Book / Page	12595 / 295
Map Reference	LB 10 FO 24
Instrument Date	Jun 8, 2022
Transaction Type	Transfer
Record Updated	Jun 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1006 SPRUCE ST, WALDORF, MD 20601-3351

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLES MD
Recording Date	Apr 20, 2021
Property Address	1006 SPRUCE ST, WALDORF, MD 20601-3351
Document Number	0117650316
Book / Page	11765 / 316
Map Reference	LB 10 FO 24
Instrument Date	Dec 31, 2020
Transaction Type	Transfer
Record Updated	May 26, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Feb 16, 2021
Property Address	1006 SPRUCE ST, WALDORF, MD 20601-3351
Document Number	0116160077
Book / Page	11616 / 77
Map Reference	LB 10 FO 24
Instrument Date	Dec 3, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	FOUR SEASONS TITLE, FOUR SEASONS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1006 SPRUCE ST, WALDORF, MD 20601-3351

Mortgage

Document Number	1161683
Date	Feb 16, 2021
Instrument	11616/83

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 1006 Spruce St was $4,863, down 50.5% from the year before.

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Charles County
Unified School District	Charles County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,863.00 (-50.55%)	$340,900 (+6.71%) Land $119,200 Building $221,700	$340,900 (-) Land $119,200 Building $221,700
2025	$9,834.00	$319,467	$340,900 Land $119,200 Building $221,700
2023	$3,962.00	$276,600 Land $114,200 Building $162,400	$276,600 Land $114,200 Building $162,400

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

Flood

FEMA maps place 1006 Spruce St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	22 (1983–2019)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Jul 2019 · rainfall accumulation
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 8 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 1006 Spruce St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% 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	WALDORF - CHARLES COUNTY DPW serves 84,296 people · EPA ID MD0080049
Water Source	Purchased surface water from WASHINGTON SUBURBAN SANITARY COMMISSION
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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