Charles County property record for 10698 Cheryl Turn, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,743 sqft · built 2020 |
| Lot Size | 0.164 acres (7,144 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $447,830 (Apr 2022) |
| Tax Bill | $22,608 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-358201 |
| Primary APN | 06-358201 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,743 sqft Living Area |
| Gross Area | 4,143 sqft |
| 1st Floor Area | 1,244 sqft |
| Basement Area | 995 sqft |
| Finished Basement | 995 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,144 sqft (0.164 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 358201 |
|---|---|
| Street Address | 10698 CHERYL TURN |
| City | WALDORF |
| State | MD |
| Zip | 20603-6914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | LOT 50 SEC 2 PLT 11 CHRISTOPHER POINTE |
| Legal Subdivision | CHRISTOPHER POINTE |
| Legal Block | 2 |
| Legal Lot Number | 50 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 850706 |
Source: Charles County records, as of September 16, 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 | 10698 CHERYL TURN, WALDORF, MD 20603-6914 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 12, 2025 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Apr 20, 2022 | Intrafamily Transfer, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2022 · Amount on Record |
| Deed Sale | Apr 20, 2022 · Amount on Record |
| Prior Sale | May 18, 2020 · Amount on Record |
| Deed Book / Page | 12514 / 120 |
| Prior Transfer Date | Dec 10, 2021 |
| Prior Transfer Doc | 0125140120 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10698 CHERYL TURN, WALDORF, MD 20603-6914 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 10698 CHERYL TURN, WALDORF, MD 20603-6914 |
| Document Number | 0138990149 |
|---|---|
| Date | Dec 12, 2025 |
| Book Page | 13899/149 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Jan 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Apr 20, 2022 |
| Property Address | 10698 CHERYL TURN, WALDORF, MD 20603-6914 |
| Document Number | 0125140120 |
| Book / Page | 12514 / 120 |
| Map Reference | MB 61 PG 136-138 |
| Instrument Date | Dec 10, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10698 CHERYL TURN, WALDORF, MD 20603-6914 |
| Document Number | 0012514124 |
|---|---|
| Date | Apr 20, 2022 |
| Instrument | 12514/124 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10698 CHERYL TURN, WALDORF, MD 20603-6914 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 10698 CHERYL TURN, WALDORF, MD 20603-6914 |
| Document Number | 0116570064 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 11657/64 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | BUENA PARK, CA 90620 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
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 | $548,600 (+5.44%) | $576,900 (-) Land $155,000 Building $421,900 | |
| 2025 | $22,608.00 (+176.15%) | $520,300 (+14.54%) | $576,900 (+17.26%) Land $155,000 Building $421,900 |
| 2023 | $8,187.00 | $454,267 | $492,000 Land $155,000 Building $337,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8 in force |
| Nearby Flood Claims | 1 (2006) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2006 · river or lake flooding |
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.
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 315 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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