Charles County property record for 10745 Cheryl Turn, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,743 sqft · built 2019 |
| Lot Size | 0.162 acres (7,057 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $484,000 (Jan 2020) |
| Tax Bill | $22,567 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Mar 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-357608 |
| Primary APN | 06-357608 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 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 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,057 sqft (0.162 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 357608 |
|---|---|
| Street Address | 10745 CHERYL TURN |
| City | WALDORF |
| State | MD |
| Zip | 20603-6912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | LOT 151 0.1615 AC CHRISTOPHER POINTE |
| Legal Subdivision | CHRISTOPHER POINTE |
| Legal Block | 2 |
| Legal Lot Number | 151 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 850706 |
10745 Cheryl Turn is owned and occupied by two individuals who acquired it in September 2020.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10745 CHERYL TURN, WALDORF, MD 20603-6912 |
| 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 |
|---|---|
| Jun 17, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Mar 30, 2022 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Jan 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Jan 7, 2020 | Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC |
| Sep 25, 2019 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2020 · Amount on File |
| Deed Sale | Jan 7, 2020 · Amount on File |
| Prior Sale | Sep 25, 2019 · Amount on File |
| Deed Book / Page | 10941 / 342 |
| Last Transfer Date | Sep 15, 2020 |
| Transfer Doc | 0113780119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jun 17, 2026 |
| Property Address | 10745 CHERYL TURN, WALDORF, MD 20603-6912 |
| Document Number | 1411000125 |
| Book / Page | 14110 / 125 |
| Instrument Date | Jun 12, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | COVIUS SERVICES |
| Name | Verified Name |
|---|---|
| Address | 10745 CHERYL TURN, WALDORF, MD 20603-6912 |
| Document Number | 1411000125, |
|---|---|
| Date | Jun 17, 2026 |
| Book Page | 14110/125 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 303 Months |
| Due | Sep 1, 2051 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10745 CHERYL TURN, WALDORF, MD 20603-6912 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 10745 CHERYL TURN, WALDORF, MD 20603-6912 |
| Document Number | 0124780495 |
|---|---|
| Date | Mar 30, 2022 |
| Book Page | 12478/495 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 354 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10745 CHERYL TURN, WALDORF, MD 20603-6912 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 10745 CHERYL TURN, WALDORF, MD 20603-6912 |
| Document Number | 0115190431 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 11519/431 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jan 7, 2020 |
| Property Address | 10745 CHERYL TURN, WALDORF, MD 20603-6912 |
| Document Number | 0109410342 |
| Book / Page | 10941 / 342 |
| Map Reference | MB 60 PG 695-699 |
| Instrument Date | Dec 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | NVR SETMNT SVCS OF MD INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,630.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10003 DEREKWOOD LN, 10003, LANHAM, MD 20706-4362 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 10745 CHERYL TURN, WALDORF, MD 20603-6912 |
| Document Number | 10941347 |
|---|---|
| Date | Jan 7, 2020 |
| Instrument | 10941/347 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Sep 25, 2019 |
| Property Address | 10745 CHERYL TURN, WALDORF, MD 20603-6912 |
| Document Number | 0107980341 |
| Book / Page | 010798 / 000341 |
| Instrument Date | Sep 10, 2019 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2020 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $128.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10003 DEREKWOOD LN #204 LANHAM SEABROOK MD 207064875, 204, LANHAM SEABROOK, MD 20706-4875 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 10745 Cheryl Turn was $22,567.
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 | $546,933 (+5.43%) | $575,100 (-) Land $155,000 Building $420,100 | |
| 2025 | $22,567.00 | $518,767 | $575,100 Land $155,000 Building $420,100 |
| 2023 | $8,195.00 | $454,933 | $490,600 Land $155,000 Building $335,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10745 Cheryl Turn in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Wildfire risk around 10745 Cheryl Turn 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 | Direct burnable vegetation |
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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