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10870 Winchester St, Waldorf, MD 20603 Property Records

Charles County property record for 10870 Winchester St, Waldorf, MD 20603

Property Summary

Property TypeTownhouse
Details2.5 ba · 2,344 sqft · built 2020
Lot Size0.055 acres (2,396 sqft)
Owner2 Individual Names on File
Last Sale$370,145 (Jun 2020)
Tax Bill$20,063 (2025)
Deeds & MortgagesJun 2021 Mortgage
Jun 2020 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN06-357964

Property Details

APN / Parcel Number

Primary APN06-357964
Alternative APN
  • 357964

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area2,344 sqft Living Area
Gross Area2,743 sqft
1st Floor Area520 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area2,396 sqft (0.055 acres)
Garage TypeAttached
Garage Area399 sqft
Parking Spaces1 Parking Space
Deck Area154 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number357964
Street Address10870 WINCHESTER ST
CityWALDORF
StateMD
Zip20603-7216
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodePUD
Legal DescriptionLOT 178 PH 3 = 0.054 TOWN CENTER SOUTH - LOT ST CHARLES SUB
Legal SubdivisionST CHARLES SUB
Legal Phase3
Legal Block2
Legal Lot Number178
JurisdictionCHARLES MD
Township / Civil Division6, WALDORF
Census Block Group2
Census Block2003
Census Tract851501

Owner

10870 Winchester St, a townhouse, is owned and occupied by two individuals who bought it in June 2020.

Source: Charles County records, as of September 16, 2026

Owner of Record2 Individual Names on File
Mailing Address10870 WINCHESTER ST, WALDORF, MD 20603-7216
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants 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.

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2021Deed of Trust, Mortgage · FHA Mortgage
OCMBC INC
Jun 26, 2020Deed, Transfer · FHA Mortgage
NVR MORTGAGE FINANCE INC
Jun 26, 2020Grant Deed, Subdivision Related Transfer · FHA Mortgage
NVR MTG FIN
Feb 24, 2020Grant Deed, Transfer
NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 26, 2020 · Amount on File
Deed SaleJun 26, 2020 · Amount on File
Prior SaleFeb 24, 2020 · Amount on File
Deed Book / Page11196 / 276
Record UpdatedOct 29, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLES MD
Property Address10870 WINCHESTER ST, WALDORF, MD 20603-7216
Transaction TypeMortgage
Record UpdatedAug 11, 2022
Title CompanyGREENWOOD TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address10870 WINCHESTER ST, WALDORF, MD 20603-7216

Mortgage

Document Number0119220121
DateJun 29, 2021
Book Page11922/121
Lender
NameOCMBC INC
TypeMortgage Company
AddressIRVINE, CA 92612
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2051

June 2020: Deed, Transfer

Document TypeDeed
JurisdictionCHARLES MD
Recording DateJun 26, 2020
Property Address10870 WINCHESTER ST, WALDORF, MD 20603-7216
Document Number0111960276
Book / Page11196 / 276
Map ReferenceMB 61 PG 96-99
Instrument DateJun 12, 2020
Transaction TypeTransfer
Record UpdatedAug 11, 2022
Title CompanyNVR SETMNT SVCS OF MD INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,776.09
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Partial Interest
  • Partial Parcel

Transferred From (Grantor/Seller)

NameVerified Name
Address10003 DEREKWOOD LN, 10003, LANHAM, MD 20706-4362

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address10870 WINCHESTER ST, WALDORF, MD 20603-7216

Mortgage

Document Number0011196281
DateJun 26, 2020
Instrument11196/281
Lender
NameNVR MORTGAGE FINANCE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2050

June 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionCHARLES MD
Recording DateJun 26, 2020
Property Address10870 WINCHESTER ST, WALDORF, MD 20603-7216
Document Number0111960276
Book / Page011196 / 000276
Instrument DateJun 12, 2020
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 10, 2020
Title CompanyNVR SETTLEMENT SERVICES/MD INC, NVR SETTLEMENT SVCS/MD INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$370.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address10870 WINCHESTER ST WALDORF MD 20603, WALDORF, MD 20603

Mortgage

Document Number111960281
DateJun 26, 2020
Book Page011196/000281
Lender
NameNVR MTG FIN
TypeMortgage Company
AddressCANONSBURG, PA 15317
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 25, 2050

February 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLES MD
Recording DateFeb 24, 2020
Property Address10870 WINCHESTER ST, WALDORF, MD 20603-7216
Document Number0110150058
Book / Page011015 / 000058
Instrument DateFeb 21, 2020
Transaction TypeTransfer
Record UpdatedApr 10, 2020
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount on Record
Tax$446.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address10003 DEREKWOOD LN #204 LANHAM SEABROOK MD 207064875, 204, LANHAM SEABROOK, MD 20706-4875
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 10870 Winchester St was $20,063.

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCharles County
Unified School DistrictCharles County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$428,167$435,200 Land $95,000 Building $340,200
2025$20,063.00
2023$7,233.00$381,000$414,100 Land $120,000 Building $294,100

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

Flood

FEMA maps place 10870 Winchester St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

Wildfire risk around 10870 Winchester St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWALDORF - CHARLES COUNTY DPW
serves 84,296 people · EPA ID MD0080049
Water SourcePurchased surface water from WASHINGTON SUBURBAN SANITARY COMMISSION
Last State InspectionJul 2025
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 284 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable · Fiber in parts of the area		2,000 / 250
Verizon
Fixed Wireless · Fiber in parts of the area		300 / 20

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