10980 Oswestry St, Waldorf, MD 20603 Property Records

Charles County property record for 10980 Oswestry St, Waldorf, MD 20603

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,280 sqft · built 2021
Lot Size	0.039 acres (1,699 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Feb 2021)
Tax Bill	$19,489 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-357991`

Property Details

APN / Parcel Number

Primary APN	`06-357991`
Alternative APN	`357991`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,280 sqft Living Area
Gross Area	2,700 sqft
1st Floor Area	480 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,699 sqft (0.039 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	357991
Street Address	10980 OSWESTRY ST
City	WALDORF
State	MD
Zip	20603-4886
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 189 PH 3 = 0.038 TOWN CENTER SOUTH - LOT ST CHARLES SUB
Legal Subdivision	ST CHARLES SUB
Legal Phase	3
Legal Block	2
Legal Lot Number	189
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	2
Census Block	2003
Census Tract	851501

Owner

10980 Oswestry St, a townhouse, is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	10980 OSWESTRY ST, WALDORF, MD 20603-4886
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2021 · Amount on File
Deed Sale	Feb 17, 2021 · Amount on File
Deed Book / Page	11622 / 137
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Feb 17, 2021
Property Address	10980 OSWESTRY ST, WALDORF, MD 20603-4886
Document Number	0116220137
Book / Page	11622 / 137
Map Reference	MB 61 PG 96-99
Instrument Date	Feb 10, 2021
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	NVR SETTLEMENT SERVICES/MD INC, NVR SETMNT SVCS OF MD INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,992.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10003 DEREKWOOD LN, 10003, LANHAM, MD 20706-4362

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10980 OSWESTRY STREET, WALDORF, MD 20603-4886

Mortgage

Document Number	11622142
Date	Feb 17, 2021
Instrument	11622/142

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10980 Oswestry St was $19,489 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$401,200 (-) Land $95,000 Building $306,200	$401,200 (-) Land $95,000 Building $306,200
2025	$19,489.00 Homeowner's exemption	$401,200 Land $95,000 Building $306,200	$401,200 Land $95,000 Building $306,200
2023	$6,837.00 Homeowner's exemption	$378,167	$414,300 Land $120,000 Building $294,300

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

Flood

FEMA maps place 10980 Oswestry 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	2 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 10980 Oswestry 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	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

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

Provider	Max 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