11600 Gilbert Ln, La Plata, MD 20646 Property Records

Charles County property record for 11600 Gilbert Ln, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,400 sqft · built 1999
Lot Size	3.03 acres (131,987 sqft)
Owner	2 Individual Names on File
Last Sale	$196,200 (May 1999)
Tax Bill	$16,654 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-017919`

Property Details

APN / Parcel Number

Primary APN	`04-017919`
Alternative APNs	`4017919` `017919`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,400 sqft Living Area
Gross Area	5,200 sqft
1st Floor Area	1,982 sqft
Basement Area	550 sqft
Finished Basement	550 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	131,987 sqft
View / Lot	Waterfront
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	240 sqft
Deck Area	400 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	017919
Street Address	11600 GILBERT LN
City	LA PLATA
State	MD
Zip	20646-4514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	LOT 20 PLAT 2= 3.038 GILBERT ACRES SUB
Legal Subdivision	GILBERT ACRES SUB
Legal Block	2
Legal Lot Number	20
Jurisdiction	CHARLES MD
Township / Civil Division	4, ALLENS FRESH
Census Block Group	2
Census Block	2026
Census Tract	851301

Owner

11600 Gilbert Ln is owned and occupied by two individuals who bought it in May 1999.

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 File
Mailing Address	11600 GILBERT LN, LA PLATA, MD 20646-4514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Deed of Trust, Mortgage · Line of Credit CEDAR POINT FCU
May 18, 2020	Deed of Trust, Mortgage · VA Mortgage STRONG HOME MORTGAGE LLC
Apr 12, 2018	Deed of Trust, Mortgage · VA Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 1999 · Amount on File
Deed Sale	May 11, 1999 · Amount on File
Deed Document Number	19994499
Deed Book / Page	2795 / 255
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	11600 GILBERT LN, LA PLATA, MD 20646-4514
Transaction Type	Mortgage
Record Updated	Jul 26, 2023
Title Company	BLUE CRAB TITLE ESCROW LLC, BLUE CRAB TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0129890382
Date	Jul 12, 2023
Book Page	12989/382

Lender

Name	CEDAR POINT FCU
Type	Credit Union
Address	LEXINGTON PARK, MD 20653

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 11, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	11600 GILBERT LN, LA PLATA, MD 20646-4514
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0111310212
Date	May 18, 2020
Book Page	11131/212

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company
Address	MANASSAS, VA 20110

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	11600 GILBERT LN, LA PLATA, MD 20646-4514
Document Number	0102720268
Instrument Date	Apr 12, 2018
Transaction Type	Mortgage
Record Updated	Jun 8, 2018
Title Company	SOLIDIFI TITLE AND CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11600 GILBERT LN LA PLATA MD 206464514, LA PLATA, MD 20646-4514

Mortgage

Document Number	0102720268
Date	May 24, 2018
Book Page	010272/000268

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 23, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 11600 Gilbert Ln was $16,654 with a homeowner's exemption.

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		$624,600 Land $150,100 Building $474,500	$624,600 Land $150,100 Building $474,500
2025	$16,654.00
2023	$6,931.00 Homeowner's exemption	$496,200 Land $140,100 Building $356,100	$496,200 Land $140,100 Building $356,100

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

Flood

FEMA maps place 11600 Gilbert Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.

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

Wildfire risk around 11600 Gilbert Ln is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 30 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

Cell Coverage

5G (outdoors only) and 4G LTE

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