Charles County property record for 10984 Oswestry St, Waldorf, MD 20603
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 5,080 sqft · built 2021 |
| Lot Size | 0.039 acres (1,699 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $434,480 (Feb 2021) |
| Tax Bill | $20,485 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Jan 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-357993 |
| Primary APN | 06-357993 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 4 Stories |
| Building Area | 5,080 sqft Living Area |
| Gross Area | 5,500 sqft |
| 1st Floor Area | 1,080 sqft |
| 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 | 275 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 357993 |
|---|---|
| Street Address | 10984 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 191 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 | 191 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 851501 |
10984 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 | 10984 OSWESTRY ST, WALDORF, MD 20603-4886 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Jan 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 18, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 17, 2021 | Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC |
| 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 / 70 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10984 OSWESTRY ST, WALDORF, MD 20603-4886 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 10984 OSWESTRY ST, WALDORF, MD 20603-4886 |
| Document Number | 0131700367 |
|---|---|
| Date | Jan 12, 2024 |
| Book Page | 13170/367 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 326 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10984 OSWESTRY ST, WALDORF, MD 20603-4886 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 10984 OSWESTRY ST, WALDORF, MD 20603-4886 |
| Document Number | 0128280255 |
|---|---|
| Date | Jan 18, 2023 |
| Book Page | 12828/255 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 338 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Feb 17, 2021 |
| Property Address | 10984 OSWESTRY ST, WALDORF, MD 20603-4886 |
| Document Number | 0116220070 |
| Book / Page | 11622 / 70 |
| 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 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,344.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10003 DEREKWOOD LN, 10003, LANHAM, MD 20706-4362 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10984 OSWESTRY STREET, WALDORF, MD 20603-4886 |
| Document Number | 1162274 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 11622/74 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 10984 Oswestry St was $20,485 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 | $451,500 | $464,200 Land $95,000 Building $369,200 | |
| 2025 | $20,485.00 | ||
| 2023 | $7,820.00 Homeowner's exemption | $426,100 Land $120,000 Building $306,100 | $426,100 Land $120,000 Building $306,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10984 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 risk around 10984 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.
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 |
| 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.
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 |
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