Charles County property record for 10993 Oswestry St, Waldorf, MD 20603
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 2.5 ba · 2,736 sqft · built 2020 |
| Lot Size | 0.055 acres (2,396 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $371,990 (Aug 2020) |
| Tax Bill | $20,039 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Jan 2024 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-357978 |
| Primary APN | 06-357978 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,736 sqft Gross Area |
| 1st Floor Area | 469 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,396 sqft (0.055 acres) |
| Garage Type | Attached |
| Garage Area | 443 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 357978 |
|---|---|
| Street Address | 10993 OSWESTRY ST |
| City | WALDORF |
| State | MD |
| Zip | 20603-4884 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | PUD |
| Legal Description | LOT 155 PH 3 = 0.054 TOWN CENTER SOUTH - LOT ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 155 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 851501 |
10993 Oswestry St is owned by two individuals who bought it in August 2020.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10993 OSWESTRY ST, WALDORF, MD 20603-4884 |
| 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 |
|---|---|
| Sep 17, 2025 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Jan 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jan 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Aug 27, 2020 | Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC |
| May 13, 2020 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2020 · Amount on File |
| Deed Sale | Aug 27, 2020 · Amount on File |
| Prior Sale | May 13, 2020 · Amount on File |
| Deed Book / Page | 11289 / 190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10993 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 10993 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Document Number | 0137920157 |
|---|---|
| Date | Sep 17, 2025 |
| Book Page | 13792/157 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10993 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2024 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 10993 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Document Number | 0131690482 |
|---|---|
| Date | Jan 12, 2024 |
| Book Page | 13169/482 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 320 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10993 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Title Company | COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 10993 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Document Number | 0128260299 |
|---|---|
| Date | Jan 13, 2023 |
| Book Page | 12826/299 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 332 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 10993 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 10993 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Document Number | 0122610449 |
|---|---|
| Date | Dec 7, 2021 |
| Book Page | 12261/449 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Aug 27, 2020 |
| Property Address | 10993 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Document Number | 0112890190 |
| Book / Page | 11289 / 190 |
| Map Reference | MB 61 PG 96-99 |
| Instrument Date | Aug 24, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | NVR SETMNT SVCS OF MD INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,789.93 |
| 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 | 10993 OSWESTRY STREET, WALDORF, MD 20603-4884 |
| Document Number | 0011289195 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | 11289/195 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 13, 2020 |
| Property Address | 10993 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Document Number | 0111260393 |
| Book / Page | 011126 / 000393 |
| Instrument Date | May 7, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $446.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10003 DEREKWOOD LN #204 LANHAM SEABROOK MD 207064875, 204, LANHAM SEABROOK, MD 20706-4875 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 10993 Oswestry St was $20,039.
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 | $429,433 (+1.79%) | $437,000 (-) Land $95,000 Building $342,000 | |
| 2025 | $20,039.00 | $421,867 | $437,000 Land $95,000 Building $342,000 |
| 2023 | $7,225.00 | $381,200 | $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.
FEMA maps place 10993 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 10993 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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