10172 Decker Ct, Waldorf, MD 20603 Property Records

Charles County property record for 10172 Decker Ct, Waldorf, MD 20603

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,112 sqft · built 2001
Lot Size	0.239 acres (10,394 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Aug 2018)
Tax Bill	$13,812 (2025)
Deeds & Mortgages	May 2019 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-270425`

Property Details

APN / Parcel Number

Primary APN	`06-270425`
Alternative APNs	`6270425` `270425`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,112 sqft Living Area
Gross Area	3,512 sqft
1st Floor Area	1,559 sqft
Basement Area	1,210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,394 sqft (0.239 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	270425
Street Address	10172 DECKER CT
City	WALDORF
State	MD
Zip	20603-3779
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	L-46 BLK-A S-1A PLT5 CHARLES CROSSING SUB
Legal Subdivision	CHARLES CROSSING SUB
Legal Block	A
Legal Lot Number	46
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1003
Census Tract	850710

Owner

10172 Decker Ct is owned and occupied by an individual who bought it in August 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	10172 DECKER CT, WALDORF, MD 20603-3779
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMESPIRE MORTGAGE CORP
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESPIRE MORTGAGE CORP
Aug 31, 2018	Grant Deed, Transfer · Conventional with PMI HOMESPIRE MTG CORP
Feb 1, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2018 · Amount on File
Deed Sale	Aug 31, 2018 · Amount on File
Prior Sale	Feb 1, 2018 · Amount on File
Deed Book / Page	10381 / 103
Prior Transfer Date	Jan 5, 2018
Prior Transfer Doc	0101560100
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	10172 DECKER CT, WALDORF, MD 20603-3779
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	TITLE TOWN SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0106430001
Date	May 23, 2019
Book Page	10643/001

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company
Address	GAITHERSBURG, MD 20878

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	10172 DECKER CT, WALDORF, MD 20603-3779
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10172 DECKER CT, WALDORF, MD 20603-3779

Mortgage

Document Number	0122940113
Date	Dec 22, 2021
Book Page	12294/113

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company
Address	GAITHERSBURG, MD 20878

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Aug 31, 2018
Property Address	10172 DECKER CT, WALDORF, MD 20603-3779
Document Number	0103800103
Book / Page	010380 / 000103
Instrument Date	Aug 28, 2018
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	FIRST CLOSE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	811 LACEWOOD TEARRACE HYATTSVILLE MD 20785, HYATTSVILLE, MD 20785

Mortgage

Document Number	103800108
Date	Aug 31, 2018
Book Page	010380/000108

Lender

Name	HOMESPIRE MTG CORP
Address	GAITHERSBURG, MD 20878

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2048

February 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CHARLES MD
Recording Date	Feb 1, 2018
Property Address	10172 DECKER CT, WALDORF, MD 20603-3779
Document Number	0101560100
Book / Page	010156 / 000100
Instrument Date	Jul 18, 2017
Transaction Type	Foreclosure
Record Updated	Feb 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$338.40
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	7815 NW 148TH ST MIAMI LAKES FL 330161554, MIAMI LAKES, FL 33016-1554

Tax Assessment & Valuation

The 2025 property tax bill for 10172 Decker Ct was $13,812 with a homeowner's exemption.

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		$501,933	$530,300 Land $125,300 Building $405,000
2025	$13,812.00
2023	$5,745.00 Homeowner's exemption	$416,367	$445,200 Land $125,300 Building $319,900

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

Flood

FEMA maps place 10172 Decker Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2003 · Hurricane Isabel

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 10172 Decker Ct 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

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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: AT&T.

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