Charles County property record for 1011 Spruce St, Waldorf, MD 20601
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,772 sqft · built 1966 |
| Lot Size | 0.402 acres (17,520 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $272,000 (Jun 2018) |
| Tax Bill | $9,231 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 08-027528 |
| Primary APN | 08-027528 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,772 sqft Living Area |
| 1st Floor Area | 1,172 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 17,520 sqft (0.402 acres) |
| Garage Type | Carport |
| Garage Area | 300 sqft |
| Carport | Carport |
| Carport Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 027528 |
|---|---|
| Street Address | 1011 SPRUCE ST |
| City | WALDORF |
| State | MD |
| Zip | 20601-3352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | L-5 B-A S-1 COUNTRY CLUB SO SUB |
| Legal Subdivision | COUNTRY CLUB SO SUB |
| Legal Block | A |
| Legal Lot Number | 5 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 8, BRYANTOWN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 850801 |
Source: Charles County records, as of September 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1011 SPRUCE ST, WALDORF, MD 20601-3352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 2, 2021 | Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jun 12, 2018 | Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2018 · Amount on Record |
| Deed Sale | Jun 12, 2018 · Amount on Record |
| Prior Sale | Mar 13, 2003 · Amount on Record |
| Deed Book / Page | 10293 / 218 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 1011 SPRUCE ST, WALDORF, MD 20601-3352 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | TURNKEY TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0116530472 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 11653/472 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jun 12, 2018 |
| Property Address | 1011 SPRUCE ST, WALDORF, MD 20601-3352 |
| Document Number | 0102930218 |
| Book / Page | 10293 / 218 |
| Map Reference | MB10 FO24 |
| Instrument Date | Jun 6, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | XEISIN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,720.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1011 SPRUCE ST, WALDORF, MD 20601-3352 |
| Document Number | 0010293224 |
|---|---|
| Date | Jun 12, 2018 |
| Instrument | 10293/224 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $309,700 (+14.58%) Land $119,200 Building $190,500 | $309,700 (+14.58%) Land $119,200 Building $190,500 | |
| 2025 | $9,231.00 (+137.97%) | ||
| 2023 | $3,879.00 Homeowner's exemption | $270,300 Land $114,200 Building $156,100 | $270,300 Land $114,200 Building $156,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures