Charles County property record for 1013 Spruce St, Waldorf, MD 20601
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,980 sqft · built 1968 |
| Lot Size | 0.402 acres (17,502 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $389,000 (Jun 2022) |
| Tax Bill | $10,345 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage May 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 08-021643 |
| Primary APN | 08-021643 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,980 sqft Living Area |
| Gross Area | 2,776 sqft |
| 1st Floor Area | 1,100 sqft |
| Basement Area | 880 sqft |
| Finished Basement | 880 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Split Foyer |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 17,502 sqft (0.402 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1,035 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 220 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 021643 |
|---|---|
| Street Address | 1013 SPRUCE ST |
| City | WALDORF |
| State | MD |
| Zip | 20601-3352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | LOT 6 BLK A SEC 1 COUNTRY CLUB SO SUB |
| Legal Subdivision | COUNTRY CLUB SO SUB |
| Legal Block | A |
| Legal Lot Number | 6 |
| 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 | 1013 SPRUCE ST, WALDORF, MD 20601-3352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 23, 2022 | Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| May 30, 2017 | Deed of Trust, Transfer NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2022 · Amount on Record |
| Deed Sale | Jun 23, 2022 · Amount on Record |
| Prior Sale | Jun 29, 2017 · Amount on Record |
| Deed Book / Page | 12607 / 20 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jun 23, 2022 |
| Property Address | 1013 SPRUCE ST, WALDORF, MD 20601-3352 |
| Document Number | 0126070020 |
| Book / Page | 12607 / 20 |
| Map Reference | MB PCM 10 PL 24 |
| Instrument Date | Jun 17, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,917.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1013 SPRUCE ST, 1013, WALDORF, MD 20601-3352 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1013 SPRUCE ST, WALDORF, MD 20601-3352 |
| Document Number | 0001260730 |
|---|---|
| Date | Jun 23, 2022 |
| Instrument | 12607/30 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 1013 SPRUCE ST, WALDORF, MD 20601-3352 |
| Document Number | 0098960312 |
| Book / Page | 009896 / 000312 |
| Instrument Date | May 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2017 |
| Title Company | NAVY FEDERAL TITLE SERVICES |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 1013 SPRUCE ST WALDORF MD 206013352, WALDORF, MD 20601-3352 |
| Document Number | 0098960312 |
|---|---|
| Date | Jun 29, 2017 |
| Book Page | 009896/000312 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 28, 2047 |
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 | $365,000 (+27.36%) Land $119,200 Building $245,800 | $365,000 (+27.36%) Land $119,200 Building $245,800 | |
| 2025 | $10,345.00 (+152.63%) | ||
| 2023 | $4,095.00 (+18.66%) | $286,600 (+4.05%) Land $114,200 Building $172,400 | $286,600 (-) Land $114,200 Building $172,400 |
| 2022 | $3,451.00 Homeowner's exemption | $275,433 | $286,600 Land $114,200 Building $172,400 |
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