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10886 Winchester St, Waldorf, MD 20603 Property Records

Charles County property record for 10886 Winchester St, Waldorf, MD 20603

Property Summary

Property TypeTownhouse
Details2.5 ba · 2,151 sqft · built 2020
Lot Size0.039 acres (1,699 sqft)
OwnerIndividual Name on File
Last Sale$361,995 (Dec 2020)
Tax Bill$19,120 (2025)
Deeds & MortgagesDec 2020 Sale & Mortgage
Jul 2020 Sale
Flood ZoneZone X (minimal risk)
APN06-357971

Property Details

APN / Parcel Number

Primary APN06-357971
Alternative APN
  • 357971

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area2,151 sqft Living Area
Gross Area2,550 sqft
1st Floor Area451 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area1,699 sqft (0.039 acres)
Garage TypeAttached
Garage Area399 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number357971
Street Address10886 WINCHESTER ST
CityWALDORF
StateMD
Zip20603-7216
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodePUD
Legal DescriptionLOT 185 PH 3 = 0.038 TOWN CENTER SOUTH - LOT ST CHARLES SUB
Legal SubdivisionST CHARLES SUB
Legal Phase3
Legal Block2
Legal Lot Number185
JurisdictionCHARLES MD
Township / Civil Division6, WALDORF
Census Block Group2
Census Block2003
Census Tract851501

Owner

10886 Winchester St, a townhouse, is owned and occupied by an individual who bought it in December 2020.

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

Owner of RecordIndividual Name on File
Mailing Address10886 WINCHESTER ST, WALDORF, MD 20603-7216
OccupancyOwner Occupied
Owner TypeIndividual
VestingSole Owner

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
Dec 2, 2020Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jul 27, 2020Grant Deed, Transfer
NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 2, 2020 · Amount on File
Deed SaleDec 2, 2020 · Amount on File
Prior SaleJul 27, 2020 · Amount on File
Deed Book / Page11467 / 110
Record UpdatedOct 29, 2026

December 2020: Deed, Transfer

Document TypeDeed
JurisdictionCHARLES MD
Recording DateDec 2, 2020
Property Address10886 WINCHESTER ST, WALDORF, MD 20603-7216
Document Number0114670110
Book / Page11467 / 110
Map ReferenceMB 61 PG 96-99
Instrument DateDec 1, 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$3,619.96
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address10886 WINCHESTER ST, WALDORF, MD 20603-7216

Mortgage

Document Number0011467114
DateDec 2, 2020
Instrument11467/114
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2051

July 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLES MD
Recording DateJul 27, 2020
Property Address10886 WINCHESTER ST, WALDORF, MD 20603-7216
Document Number0112430331
Book / Page011243 / 000331
Instrument DateJul 16, 2020
Transaction TypeTransfer
Record UpdatedAug 21, 2020
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount on Record
Tax$675.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address10003 DEREKWOOD LN LANHAM SEABROOK MD 207064362, LANHAM SEABROOK, MD 20706-4362
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 10886 Winchester St was $19,120 with a homeowner's exemption.

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$387,000 Land $95,000 Building $292,000$387,000 Land $95,000 Building $292,000
2025$19,120.00
2023$6,724.00 Homeowner's exemption$366,567$400,600 Land $120,000 Building $280,600

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

Flood

FEMA maps place 10886 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 10886 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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