Charles County property record for 11 Oak St, Indian Head, MD 20640
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,000 sqft · built 1963 |
| Lot Size | 0.22 acres (9,589 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Jan 2024) |
| Tax Bill | $11,123 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-000545 |
| Primary APN | 07-000545 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,000 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,589 sqft (0.22 acres) |
| Garage Type | Detached |
| Garage Area | 560 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 000545 |
|---|---|
| Street Address | 11 OAK ST |
| City | INDIAN HEAD |
| State | MD |
| Zip | 20640-1510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 12-A POTOMAC WDS II IND HEAD |
| Legal Subdivision | POTOMAC WDS |
| Legal Block | 1 |
| Legal Lot Number | 12A |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 7, POMONKEY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 850202 |
Source: Charles County records, as of September 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 11 OAK ST, INDIAN HEAD, MD 20640-1510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE MANAGEMENT LLC |
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC |
| Jan 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage EMM LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2024 · Amount on Record |
| Deed Sale | Jan 31, 2024 · Amount on Record |
| Prior Sale | Jan 13, 2004 · Amount on Record |
| Deed Book / Page | 13187 / 272 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 11 OAK ST, INDIAN HEAD, MD 20640-1510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 11 OAK ST, INDIAN HEAD, MD 20640-1510 |
| Document Number | 0139420327 |
|---|---|
| Date | Jan 29, 2026 |
| Book Page | 13942/327 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 11 OAK ST, INDIAN HEAD, MD 20640-1510 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0110770446 |
|---|---|
| Date | Apr 8, 2020 |
| Book Page | 11077/446 |
| Name | E MORTGAGE MANAGEMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 11 OAK ST, INDIAN HEAD, MD 20640-1510 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0114560001 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 11456/1 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 11 OAK ST, INDIAN HEAD, MD 20640-1510 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | BLEND TITLE INSURANCE |
| Name | Verified Name |
|---|
| Document Number | 0123330375 |
|---|---|
| Date | Jan 14, 2022 |
| Book Page | 12333/375 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08003 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Municipality | Indian Head Town |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $337,967 (+19.45%) | $340,300 (+1.04%) Land $70,000 Building $270,300 | |
| 2025 | $11,123.00 (+146.25%) | ||
| 2023 | $4,517.00 | $282,933 | $336,800 Land $70,000 Building $266,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 2 (2011–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2018 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.8% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | TOWN OF INDIAN HEAD serves 4,100 people · EPA ID MD0080020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 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 | None 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 371 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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