Charles County property record for 10522 Black Pine Ln, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,586 sqft · built 2015 |
| Lot Size | 0.155 acres (6,752 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $419,900 (Jan 2019) |
| Tax Bill | $20,900 (2025) |
| Deeds & Mortgages | Nov 2020 Loan Modification Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-355156 |
| Primary APN | 06-355156 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,586 sqft Living Area |
| Gross Area | 4,006 sqft |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 940 sqft |
| Finished Basement | 940 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,752 sqft (0.155 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 76 sqft |
| Deck Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 355156 |
|---|---|
| Street Address | 10522 BLACK PINE LN |
| City | WALDORF |
| State | MD |
| Zip | 20603-6701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | LOT 18 BLK D PH 3B PINEY GROVE ESTATES SUB |
| Legal Subdivision | PINEY GROVE ESTATES SUB |
| Legal Phase | 3B |
| Legal Block | D |
| Legal Lot Number | 18 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 850710 |
10522 Black Pine Ln is owned and occupied by two individuals who bought it in January 2019.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10522 BLACK PINE LN, WALDORF, MD 20603-6701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 18, 2020 | Loan Modification, Mortgage · FHA Mortgage MR COOPER |
| Jan 28, 2019 | Deed, Transfer · FHA Mortgage HOWARD BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2019 · Amount on File |
| Deed Sale | Jan 28, 2019 · Amount on File |
| Deed Book / Page | 10522 / 285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10522 BLACK PINE LN, WALDORF, MD 20603-6701 |
| Document Number | 0114500278 |
| Instrument Date | Nov 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10522 BLACK PINE LN WALDORF MD 206036701, WALDORF, MD 20603-6701 |
| Document Number | 0114500278 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 011450/000278 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 19, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jan 28, 2019 |
| Property Address | 10522 BLACK PINE LN, WALDORF, MD 20603-6701 |
| Document Number | 0105220285 |
| Book / Page | 10522 / 285 |
| Map Reference | MB 60 PG 18-22 |
| Instrument Date | Aug 3, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,149.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2400 QUEENS CHAPEL RD, HYATTSVILLE, MD 20782-3616 |
| Document Number | 0010522293 |
|---|---|
| Date | Jan 28, 2019 |
| Instrument | 10522/293 |
| Name | HOWARD BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Sep 1, 2048 |
The 2025 property tax bill for 10522 Black Pine Ln was $20,900.
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 | $533,467 (+5.73%) | $562,400 (-) Land $125,100 Building $437,300 | |
| 2025 | $20,900.00 | $504,533 | $562,400 Land $125,100 Building $437,300 |
| 2023 | $7,749.00 | $445,600 | $475,600 Land $125,100 Building $350,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10522 Black Pine Ln 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 risk around 10522 Black Pine Ln 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 443 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 |
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