1010 Spruce St, Waldorf, MD 20601 Property Records

Charles County property record for 1010 Spruce St, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,642 sqft · built 1966
Lot Size	0.402 acres (17,505 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Apr 2005)
Tax Bill	$9,362 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`08-021791`

Property Details

APN / Parcel Number

Primary APN	`08-021791`
Alternative APNs	`8021791` `021791`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,642 sqft Living Area
Gross Area	2,162 sqft
1st Floor Area	1,642 sqft

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	17,505 sqft (0.402 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	241 sqft
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	021791
Street Address	1010 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 7 BLK B SEC 1 COUNTRY CLUB SO SUB
Legal Subdivision	COUNTRY CLUB SO SUB
Legal Block	B
Legal Lot Number	7
Jurisdiction	CHARLES MD
Township / Civil Division	8, BRYANTOWN
Census Block Group	1
Census Block	1011
Census Tract	850801

Owner

1010 Spruce St is owned and occupied by an individual who bought it in April 2005.

Source: Charles County records, as of September 16, 2026

Owner of Record	Individual Name on File
Mailing Address	1010 SPRUCE ST, WALDORF, MD 20601-3351
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	Apr 21, 2005 · Amount on File
Deed Sale	Apr 21, 2005 · Amount on File
Deed Document Number	200514705
Deed Book / Page	5211 / 488
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	1010 SPRUCE ST, WALDORF, MD 20601-3351
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AVENUE 365 LENDER SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0113690365
Date	Oct 8, 2020
Book Page	11369/365

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1010 Spruce St was $9,362.

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		$319,700 Land $119,200 Building $200,500	$319,700 Land $119,200 Building $200,500
2025	$9,362.00
2023	$3,811.00	$265,200 Land $114,200 Building $151,000	$265,200 Land $114,200 Building $151,000

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

Flood

FEMA maps place 1010 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 1010 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	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	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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20