Charles County property record for 10997 Oswestry St, Waldorf, MD 20603
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 2.5 ba · 2,850 sqft · built 2020 |
| Lot Size | 0.055 acres (2,396 sqft) |
| Owner | Individual Name on File |
| Last Sale | $390,990 (Nov 2020) |
| Tax Bill | $20,320 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Jul 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-357985 |
| Primary APN | 06-357985 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,850 sqft Gross Area |
| 1st Floor Area | 463 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 | 487 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 357985 |
|---|---|
| Street Address | 10997 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 154 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 | 154 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 851501 |
10997 Oswestry St is owned by an individual who bought it in November 2020.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10997 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Owner Type | Individual |
| Vesting | Sole Owner |
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 |
|---|---|
| Nov 30, 2020 | Deed, Transfer · VA Mortgage NVR MORTGAGE FINANCE INC |
| Jul 31, 2020 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2020 · Amount on File |
| Deed Sale | Nov 30, 2020 · Amount on File |
| Prior Sale | Jul 31, 2020 · Amount on File |
| Deed Book / Page | 11456 / 255 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Nov 30, 2020 |
| Property Address | 10997 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Document Number | 0114560255 |
| Book / Page | 11456 / 255 |
| Map Reference | MB 61 PG 96-99 |
| Instrument Date | Nov 20, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | NVR SETMNT SVCS OF MD INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,932.43 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10003 DEREKWOOD LN, 10003, LANHAM, MD 20706-4362 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 10997 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Document Number | 11456260 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 11456/260 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jul 31, 2020 |
| Property Address | 10997 OSWESTRY ST, WALDORF, MD 20603-4884 |
| Document Number | 0112510044 |
| Book / Page | 011251 / 000044 |
| Instrument Date | Jul 23, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2020 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $450.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10003 DEREKWOOD LN LANHAM SEABROOK MD 207064362, LANHAM SEABROOK, MD 20706-4362 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 10997 Oswestry St was $20,320.
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 | $438,967 | $445,400 Land $95,000 Building $350,400 | |
| 2025 | $20,320.00 | ||
| 2023 | $7,366.00 | $391,867 | $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 10997 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 10997 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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