Charles County property record for 1015 Spruce St, Waldorf, MD 20601
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,940 sqft · built 1967 |
| Lot Size | 0.403 acres (17,554 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Dec 1995) |
| Tax Bill | $11,519 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 08-013152 |
| Primary APN | 08-013152 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,940 sqft Living Area |
| 1st Floor Area | 2,340 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 17,554 sqft (0.403 acres) |
| Garage Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 013152 |
|---|---|
| Street Address | 1015 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 7 B A S 1 COUNTRY CLUB SO SUB |
| Legal Subdivision | COUNTRY CLUB SO SUB |
| Legal Block | A |
| Legal Lot Number | 7 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 8, BRYANTOWN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 850801 |
1015 Spruce St is owned and occupied by two individuals who bought it in December 1995.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1015 SPRUCE ST, WALDORF, MD 20601-3352 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 1995 · Amount on File |
| Deed Sale | Dec 27, 1995 · Amount on File |
| Prior Sale | Jun 16, 1983 · Amount on File |
| Deed Document Number | 199532395 |
| Deed Book / Page | 2173 / 233 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1015 Spruce St was $11,519.
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 | $402,100 Land $119,200 Building $282,900 | $402,100 Land $119,200 Building $282,900 | |
| 2025 | $11,519.00 | ||
| 2023 | $4,883.00 | $346,100 Land $114,200 Building $231,900 | $346,100 Land $114,200 Building $231,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1015 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 |
|
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 risk around 1015 Spruce St is low, with a 0.02% 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 | 0.02% 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 |
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