11548 Rest Dr, La Plata, MD 20646 Property Records

Charles County property record for 11548 Rest Dr, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,524 sqft · built 2003
Lot Size	3.65 acres (158,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$283,500 (Sep 2003)
Tax Bill	$14,231 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-025431`

Property Details

APN / Parcel Number

Primary APN	`04-025431`
Alternative APNs	`4025431` `025431`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,524 sqft Living Area
Gross Area	2,944 sqft
1st Floor Area	1,444 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	158,994 sqft
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Area	555 sqft
Deck Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	025431
Street Address	11548 REST DR
City	LA PLATA
State	MD
Zip	20646-4570
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	LOT 18 PL 4 =3.6 AC HARDSHIP PLANTATION SUB
Legal Subdivision	HARDSHIP PLANTATION SUB
Legal Block	2
Legal Lot Number	18
Jurisdiction	CHARLES MD
Township / Civil Division	4, ALLENS FRESH
Census Block Group	2
Census Block	2015
Census Tract	851301

Owner

Source: Charles County records, as of September 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11548 REST DR, LA PLATA, MD 20646-4570
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2017	Deed of Trust, Mortgage · VA Mortgage GOLDWATER BANK NA
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2003 · Amount on Record
Deed Sale	Sep 23, 2003 · Amount on Record
Deed Document Number	200313003
Deed Book / Page	4351 / 429
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	11548 REST DR, LA PLATA, MD 20646-4570
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097500219
Date	Mar 1, 2017
Book Page	9750/219

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	11548 REST DR, LA PLATA, MD 20646-4570
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0111560306
Date	Jun 4, 2020
Book Page	11156/306

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Charles County
Unified School District	Charles County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$521,800 (+25.4%) Land $153,200 Building $368,600	$521,800 (+25.4%) Land $153,200 Building $368,600
2025	$14,231.00 (+142.44%)
2023	$5,870.00 Homeowner's exemption	$416,100 Land $143,200 Building $272,900	$416,100 Land $143,200 Building $272,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	5 in force
Nearby Flood Claims	4 (2011–2018)
Claims Outside the SFHA	2 of 4
Most Recent Claim	May 2018 · rainfall accumulation

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

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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Rest Dr

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