109 Howard St, La Plata, MD 20646 Property Records

Charles County property record for 109 Howard St, La Plata, MD 20646

Property Summary

Property Type	Commercial
Details	1 ba · 1,304 sqft · built 1959
Lot Size	0.236 acres (10,272 sqft)
Owner	Company Name on File
Last Sale	$156,400 (Jul 2018)
Tax Bill	$9,972 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-005294`

Property Details

APN / Parcel Number

Primary APN	`01-005294`
Alternative APNs	`1005294` `005294`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,304 sqft Gross Area
1st Floor Area	1,224 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	10,272 sqft (0.236 acres)
View / Lot	Commercial/Industrial
Porch	Open Porch
Porch Area	80 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	005294
Street Address	109 HOWARD ST
City	LA PLATA
State	MD
Zip	20646-6948
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CB
Legal Description	.23 AC HOWARD STREET LA PLATA
Legal Subdivision	LA PLATA
Legal Block	1
Jurisdiction	CHARLES MD
Township / Civil Division	1, LA PLATA
Census Block Group	1
Census Block	1003
Census Tract	851004

Owner

109 Howard St, a commercial property, is owned by a company that bought it in July 2018.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 2511, LA PLATA, MD 20646-2511
Owner Type	Company
Vesting	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2018 · Amount on File
Deed Sale	Jul 13, 2018 · Amount on File
Deed Book / Page	10329 / 144
Record Updated	Oct 29, 2026

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Jul 13, 2018
Property Address	109 HOWARD ST, LA PLATA, MD 20646-6948
Document Number	0103290144
Book / Page	010329 / 000144
Instrument Date	Jul 11, 2018
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2511 LA PLATA MD 206462511, LA PLATA, MD 20646-2511

Mortgage

Document Number	103290151
Date	Jul 13, 2018
Book Page	010329/000151

Lender

Name	RICHARD J EARNSHAW JR TR (RT)

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 109 Howard St was $9,972.

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

Property Jurisdictions

Type	Name
State	Maryland
County	Charles County
Municipality	La Plata Town
Unified School District	Charles County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$332,700 Land $174,000 Building $158,700	$332,700 Land $174,000 Building $158,700
2025	$9,972.00
2023	$4,435.00	$293,200 Land $174,000 Building $119,200	$293,200 Land $174,000 Building $119,200

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

Flood

FEMA maps place 109 Howard 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 109 Howard 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 Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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 System	TOWN OF LA PLATA serves 11,535 people · EPA ID MD0080025
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20