Charles County property record for 1045 Bannister Cir, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,296 sqft · built 1974 |
| Lot Size | 0.209 acres (9,093 sqft) |
| Owner | Individual Name on File |
| Last Sale | $229,000 (Apr 2017) |
| Tax Bill | $9,683 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000215 |
| Primary APN | 06-000215 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 1,560 sqft |
| 1st Floor Area | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,093 sqft (0.209 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 000215 |
|---|---|
| Street Address | 1045 BANNISTER CIR |
| City | WALDORF |
| State | MD |
| Zip | 20602-1624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | L 25 B 77 S 7 BANNISTER NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 77 |
| Legal Lot Number | 25 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 850906 |
1045 Bannister Cir is owned and occupied by an individual who bought it in April 2017.
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 | 1045 BANNISTER CIR, WALDORF, MD 20602-1624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Jul 6, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Apr 11, 2017 | Grant Deed, Transfer · FHA Mortgage NFM LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2017 · Amount on File |
| Deed Sale | Apr 11, 2017 · Amount on File |
| Prior Sale | Sep 13, 2005 |
| Deed Book / Page | 9791 / 164 |
| Transfer Doc | 0054350596 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 1045 BANNISTER CIR, WALDORF, MD 20602-1624 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1045 BANNISTER CIR, WALDORF, MD 20602-1624 |
| Document Number | 0129690330 |
|---|---|
| Date | Jun 21, 2023 |
| Book Page | 12969/330 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | May 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 1045 BANNISTER CIR, WALDORF, MD 20602-1624 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1045 BANNISTER CIR, WALDORF, MD 20602-1624 |
| Document Number | 0126230008 |
|---|---|
| Date | Jul 6, 2022 |
| Book Page | 12623/8 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Jun 1, 2062 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Apr 11, 2017 |
| Property Address | 1045 BANNISTER CIR, WALDORF, MD 20602-1624 |
| Document Number | 0097910164 |
| Book / Page | 009791 / 000164 |
| Instrument Date | Dec 29, 2016 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2017 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $229.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 13208 PARK LN FORT WASHINGTON MD 207446513, FORT WASHINGTON, MD 20744-6513 |
| Document Number | 97910170 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 009791/000170 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 10, 2047 |
The 2025 property tax bill for 1045 Bannister Cir was $9,683.
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 | $335,167 (+6.83%) | $356,600 (-) Land $120,000 Building $236,600 | |
| 2025 | $9,683.00 | $313,733 | $356,600 Land $120,000 Building $236,600 |
| 2023 | $3,829.00 | $266,500 | $292,300 Land $120,000 Building $172,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1045 Bannister Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2018 · rainfall accumulation |
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 1045 Bannister Cir 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 | 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 496 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 | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
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