Charles County property record for 103 Garner Ave, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,755 sqft · built 1969 |
| Lot Size | 0.212 acres (9,226 sqft) |
| Owner | Individual Name on File |
| Last Sale | $365,000 (Apr 2022) |
| Tax Bill | $9,785 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-013511 |
| Primary APN | 06-013511 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,755 sqft Living Area |
| 1st Floor Area | 1,014 sqft |
| Basement Area | 741 sqft |
| Finished Basement | 741 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,226 sqft (0.212 acres) |
| Porch | Open Porch |
| Porch Area | 126 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 013511 |
|---|---|
| Street Address | 103 GARNER AVE |
| City | WALDORF |
| State | MD |
| Zip | 20602-2931 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | L 11 B 25 S 3-C CARRINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 25 |
| Legal Lot Number | 11 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 850902 |
103 Garner Ave is owned and occupied by an individual who bought it in April 2022.
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 | 103 GARNER AVE, WALDORF, MD 20602-2931 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Apr 1, 2022 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 25, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2022 · Amount on File |
| Deed Sale | Apr 1, 2022 · Amount on File |
| Prior Sale | Oct 29, 2008 · Amount on File |
| Deed Book / Page | 12483 / 269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 103 GARNER AVE, WALDORF, MD 20602-2931 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0117710384 |
|---|---|
| Date | Apr 21, 2021 |
| Book Page | 11771/384 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Apr 1, 2022 |
| Property Address | 103 GARNER AVE, WALDORF, MD 20602-2931 |
| Document Number | 0124830269 |
| Book / Page | 12483 / 269 |
| Map Reference | MB PCM 11 PL 21 |
| Instrument Date | Mar 31, 2022 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2022 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,737.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 103 GARNER AVE, WALDORF, MD 20602-2931 |
| Document Number | 0012483277 |
|---|---|
| Date | Apr 1, 2022 |
| Instrument | 12483/277 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 103 GARNER AVE, WALDORF, MD 20602-2931 |
| Document Number | 0107500023 |
| Instrument Date | Jul 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2019 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 GARNER AVE WALDORF MD 206022931, WALDORF, MD 20602-2931 |
| Document Number | 0107500023 |
|---|---|
| Date | Aug 19, 2019 |
| Book Page | 010750/000023 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 18, 2049 |
The 2025 property tax bill for 103 Garner Ave was $9,785.
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 | $341,400 | $365,200 Land $120,000 Building $245,200 | |
| 2025 | $9,785.00 | ||
| 2023 | $3,869.00 | $269,533 | $293,800 Land $120,000 Building $173,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Garner Ave in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 103 Garner Ave is low, with less than 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 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 148 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
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