Charles County property record for 112 Garner Ave, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,689 sqft · built 1968 |
| Lot Size | 0.296 acres (12,903 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Feb 2018) |
| Tax Bill | $10,073 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-003257 |
| Primary APN | 06-003257 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,689 sqft Living Area |
| Gross Area | 1,964 sqft |
| 1st Floor Area | 1,014 sqft |
| Basement Area | 675 sqft |
| Finished Basement | 675 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,903 sqft (0.296 acres) |
| Garage Type | Attached |
| Garage Area | 275 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 003257 |
|---|---|
| Street Address | 112 GARNER AVE |
| City | WALDORF |
| State | MD |
| Zip | 20602-2930 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | L 24 B 2 S 3 B CARRINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 2 |
| Legal Lot Number | 24 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 850902 |
112 Garner Ave is owned and occupied by an individual who bought it in February 2018.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 112 GARNER AVE, WALDORF, MD 20602-2930 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jul 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 8, 2018 | Deed, Transfer · FHA Mortgage E MORTGAGE MANAGEMENT LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 8, 2018 · Amount on File |
| Deed Sale | Feb 8, 2018 · Amount on File |
| Prior Sale | May 22, 2007 · Amount on File |
| Deed Book / Page | 10164 / 335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 112 GARNER AVE, WALDORF, MD 20602-2930 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2023 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 112 GARNER AVE, WALDORF, MD 20602-2930 |
| Document Number | 0129870249 |
|---|---|
| Date | Jul 10, 2023 |
| Book Page | 12987/249 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jul 1, 2063 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Feb 8, 2018 |
| Property Address | 112 GARNER AVE, WALDORF, MD 20602-2930 |
| Document Number | 0101640335 |
| Book / Page | 10164 / 335 |
| Map Reference | MB11 FO49 |
| Instrument Date | Jan 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | CAPITOL TITLE INA AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 112 GARNER AVE, WALDORF, MD 20602-2930 |
| Document Number | 0010164342 |
|---|---|
| Date | Feb 8, 2018 |
| Instrument | 10164/342 |
| Name | E MORTGAGE MANAGEMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2048 |
The 2025 property tax bill for 112 Garner Ave was $10,073.
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 | $340,367 | $352,200 Land $125,100 Building $227,100 | |
| 2025 | $10,073.00 | ||
| 2023 | $4,151.00 | $290,867 | $316,700 Land $125,100 Building $191,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 112 Garner Ave 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 112 Garner Ave is low, with less than 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 97% of the US · lower than 94% 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 | 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 148 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 · Fiber in parts of the area | 2,000 / 250 |
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