Charles County property record for 104 Cheshire Ct, La Plata, MD 20646
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,945 sqft · built 1998 |
| Lot Size | 0.535 acres (23,302 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,990 (Jan 2018) |
| Tax Bill | $16,693 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Sep 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-063898 |
| Primary APN | 01-063898 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,945 sqft Living Area |
| Gross Area | 4,345 sqft |
| 1st Floor Area | 1,304 sqft |
| Basement Area | 1,033 sqft |
| Finished Basement | 1,033 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 23,302 sqft (0.535 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 240 sqft |
| Deck Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 063898 |
|---|---|
| Street Address | 104 CHESHIRE CT |
| City | LA PLATA |
| State | MD |
| Zip | 20646-3554 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-21 |
| Legal Description | LOT 10 PLT 1 SEC 4 TOWN OF LA PLATA KINGS GRANT SUB |
| Legal Subdivision | TOWN OF LA PLATA |
| Legal Block | 2 |
| Legal Lot Number | 10 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 1, LA PLATA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 851003 |
104 Cheshire Ct is owned and occupied by two individuals who bought it in January 2018.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 CHESHIRE CT, LA PLATA, MD 20646-3554 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 23, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jan 31, 2018 | Grant Deed, Transfer · VA Mortgage MORTGAGE LENDERS/AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2018 · Amount on File |
| Deed Sale | Jan 31, 2018 · Amount on File |
| Prior Sale | Jan 27, 2015 · Amount on File |
| Deed Book / Page | 10154 / 148 |
| Prior Transfer Date | Jan 9, 2015 |
| Prior Transfer Doc | 0088050169 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 104 CHESHIRE CT, LA PLATA, MD 20646-3554 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Title Company | CLA TITLE AND ESCROW, CLA TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Address | 104 CHESHIRE CT, LA PLATA, MD 20646-3554 |
| Document Number | 0138600167 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 13860/167 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 104 CHESHIRE CT, LA PLATA, MD 20646-3554 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 104 CHESHIRE CT, LA PLATA, MD 20646-3554 |
| Document Number | 0127110447 |
|---|---|
| Date | Sep 23, 2022 |
| Book Page | 12711/447 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 7, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jan 31, 2018 |
| Property Address | 104 CHESHIRE CT, LA PLATA, MD 20646-3554 |
| Document Number | 0101540148 |
| Book / Page | 010154 / 000148 |
| Instrument Date | Jan 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2018 |
| Title Company | BUYERS TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.99 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 104 CHESHIRE CT LA PLATA MD 206463554, LA PLATA, MD 20646-3554 |
| Document Number | 101540152 |
|---|---|
| Date | Jan 31, 2018 |
| Book Page | 010154/000152 |
| Name | MORTGAGE LENDERS/AMERICA |
|---|---|
| Type | Mortgage Company |
| Address | OVERLAND PARK, KS 66211 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 30, 2048 |
The 2025 property tax bill for 104 Cheshire Ct was $16,693.
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Municipality | La Plata Town |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $585,800 Land $96,600 Building $489,200 | $585,800 Land $96,600 Building $489,200 | |
| 2025 | $16,693.00 | ||
| 2023 | $6,662.00 | $441,300 Land $96,600 Building $344,700 | $441,300 Land $96,600 Building $344,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Cheshire Ct 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 | 5 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 104 Cheshire Ct 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | TOWN OF LA PLATA serves 11,535 people · EPA ID MD0080025 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| 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 | None 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 121 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 |
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