Charles County property record for 10909 Laplata Rd, La Plata, MD 20646
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,452 sqft · built 1997 |
| Lot Size | 1.88 acres (82,328 sqft) |
| Owner | Individual Name on File |
| Last Sale | $460,000 (Sep 2026) |
| Tax Bill | $10,955 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-019797 |
| Primary APN | 08-019797 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,452 sqft Living Area |
| 1st Floor Area | 976 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 82,328 sqft |
| Garage Area | 896 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 272 sqft |
| Shed | 1 Shed |
| Shed Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 019797 |
|---|---|
| Street Address | 10909 LAPLATA RD |
| City | LA PLATA |
| State | MD |
| Zip | 20646-3232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 1 SEC 2 ROOSEVELT HEIGHTS SUB |
| Legal Subdivision | ROOSEVELT HEIGHTS SUB |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 8, BRYANTOWN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 851003 |
10909 Laplata Rd is owned and occupied by an individual who bought it in September 2026.
Source: Charles County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10909 LAPLATA RD, LA PLATA, MD 20646-3232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 2, 2026 | Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Jul 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC |
| Jun 23, 2020 | Deed, Transfer · VA Mortgage WELLS FARGO BANK NA |
| Aug 29, 2018 | Intrafamily Transfer, Transfer · FHA Mortgage JOHNSON MORTGAGE COMPANY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2026 · Amount on File |
| Deed Sale | Sep 2, 2026 · Amount on File |
| Prior Sale | Jun 23, 2020 · Amount on File |
| Deed Book / Page | 14199 / 54 |
| Prior Transfer Date | Aug 20, 2018 |
| Prior Transfer Doc | 0103780085 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Sep 2, 2026 |
| Property Address | 10909 LAPLATA RD, LA PLATA, MD 20646-3232 |
| Document Number | 1419000054 |
| Book / Page | 14199 / 54 |
| Instrument Date | Aug 27, 2026 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Title Company | EXPERT TITLE COMPANY, EXPERT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $464,600.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10909 LAPLATA RD, LA PLATA, MD 20646-3232 |
| Document Number | 1419000061, |
|---|---|
| Date | Sep 2, 2026 |
| Book Page | 14199/61 |
| Name | CMG MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10909 LAPLATA RD, LA PLATA, MD 20646-3232 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0119690001 |
|---|---|
| Date | Jul 28, 2021 |
| Book Page | 11969/1 |
| Name | CHERRY CREEK MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jun 23, 2020 |
| Property Address | 10909 LAPLATA RD, LA PLATA, MD 20646-3232 |
| Document Number | 0111890064 |
| Book / Page | 11189 / 64 |
| Map Reference | MB 11 FO 43 |
| Instrument Date | Jun 9, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | BAY COUNTY SETTLEMENTS INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,362.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10909 LAPLATA RD, LA PLATA, MD 20646-3232 |
| Document Number | 1118971 |
|---|---|
| Date | Jun 23, 2020 |
| Instrument | 11189/71 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Aug 29, 2018 |
| Property Address | 10909 LAPLATA RD, LA PLATA, MD 20646-3232 |
| Document Number | 0103780079 |
| Book / Page | 10378 / 079 |
| Map Reference | MB PCM11 FO43 |
| Instrument Date | Aug 20, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | SOUTHERN MARYLAND TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 10909 LAPLATA RD, LA PLATA, MD 20646-3232 |
| Document Number | 0103780085 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 10378/085 |
| Name | JOHNSON MORTGAGE COMPANY LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | NEWPORT NEWS, VA 23606 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
The 2025 property tax bill for 10909 Laplata Rd was $10,955 with a homeowner's exemption.
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 | $387,600 (+7.39%) Land $138,900 Building $248,700 | $387,600 (-) Land $138,900 Building $248,700 | |
| 2025 | $10,955.00 Homeowner's exemption | $360,933 | $387,600 Land $138,900 Building $248,700 |
| 2023 | $4,433.00 Homeowner's exemption | $307,600 Land $128,900 Building $178,700 | $307,600 Land $128,900 Building $178,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10909 Laplata Rd 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 | 5 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 risk around 10909 Laplata Rd 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: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
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