10538 Spring Run Ct, La Plata, MD 20646 Property Records

Charles County property record for 10538 Spring Run Ct, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,582 sqft · built 2018
Lot Size	1 acres (43,691 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Sep 2018)
Tax Bill	$23,902 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2019 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`01-355025`

Property Details

APN / Parcel Number

Primary APN	`01-355025`
Alternative APN	`355025`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,582 sqft Living Area
Gross Area	3,069 sqft
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,691 sqft
Garage Type	Attached
Garage Area	487 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft
Deck Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	355025
Street Address	10538 SPRING RUN CT
City	LA PLATA
State	MD
Zip	20646-4034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 21 PLAT 4 THE WILLOWS SUB
Legal Subdivision	THE WILLOWS SUB
Legal Block	2
Legal Lot Number	21
Jurisdiction	CHARLES MD
Township / Civil Division	1, LA PLATA
Census Block Group	2
Census Block	2038
Census Tract	851003

Owner

Source: Charles County records, as of September 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10538 SPRING RUN CT, LA PLATA, MD 20646-4034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Jun 25, 2019	Deed of Trust, Mortgage · FHA Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 5, 2018	Deed, Subdivision Related Transfer · FHA Mortgage C&F MORTGAGE CORP
Aug 31, 2018	Deed of Trust, Mortgage · FHA Mortgage C&F MTG
Apr 6, 2018	Loan Modification, Mortgage COMMUNITY BK/CHESAPEAKE
Apr 12, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2018 · Amount on Record
Deed Sale	Sep 5, 2018 · Amount on Record
Prior Sale	Apr 12, 2018 · Amount on Record
Deed Book / Page	10383 / 1
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Recording Date	Sep 9, 2026
Property Address	10538 SPRING RUN CT, LA PLATA, MD 20646-4034
Document Number	1420000298
Book / Page	14206 / 298
Instrument Date	Aug 31, 2026
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	10538 SPRING RUN CT, LA PLATA, MD 20646-4034

Mortgage

Document Number	1420000298,
Date	Sep 9, 2026
Book Page	14206/298

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	10538 SPRING RUN CT, LA PLATA, MD 20646-4034
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0106860001
Date	Jun 25, 2019
Book Page	10686/001

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	10538 SPRING RUN CT, LA PLATA, MD 20646-4034
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	CLA TITLE AND ESCROW, CLA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10538 SPRING RUN CT, LA PLATA, MD 20646-4034

Mortgage

Document Number	0120750352
Date	Sep 20, 2021
Book Page	12075/352

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2018: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Sep 5, 2018
Property Address	10538 SPRING RUN CT, LA PLATA, MD 20646-4034
Document Number	0103830001
Book / Page	10383 / 001
Map Reference	MB60 FO7
Instrument Date	Aug 31, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10538 SPRING RUN CT, LA PLATA, MD 20646-4034

Mortgage

Document Number	0000103836
Date	Sep 5, 2018
Instrument	10383/6

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	10538 SPRING RUN CT, LA PLATA, MD 20646-4034
Document Number	0104040204
Instrument Date	Aug 31, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10538 SPRING RUN CT LA PLATA MD 206464034, LA PLATA, MD 20646-4034

Mortgage

Document Number	0104040204
Date	Sep 25, 2018
Book Page	010404/000204

Lender

Name	C&F MTG
Type	Mortgage Company
Address	MIDLOTHIAN, VA 23113

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2048

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHARLES MD
Property Address	10538 SPRING RUN CT, LA PLATA, MD 20646-4034
Document Number	0102280011
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29477 HORSE RANGE FARM LN MECHANICSVILLE MD 206593007, MECHANICSVILLE, MD 20659-3007
Investor	Possibly a Property Investor

Mortgage

Document Number	0102280011
Date	Apr 12, 2018
Book Page	010228/000011

Lender

Name	COMMUNITY BK/CHESAPEAKE
Type	Bank

Agreement

Amount	Amount Recorded

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Apr 12, 2018
Property Address	10538 SPRING RUN CT, LA PLATA, MD 20646-4034
Document Number	0102280001
Book / Page	010228 / 000001
Instrument Date	Apr 4, 2018
Transaction Type	Transfer
Record Updated	Apr 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10538 SPRING RUN CT LA PLATA MD 206464034, LA PLATA, MD 20646-4034

Tax Assessment & Valuation

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		$589,200 (+31.9%) Land $150,000 Building $439,200	$589,200 (+31.9%) Land $150,000 Building $439,200
2025	$23,902.00 (+189.06%)
2023	$8,269.00	$446,700 Land $150,000 Building $296,700	$446,700 Land $150,000 Building $296,700

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

Flood

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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