11605 Gilbert Ln, La Plata, MD 20646 Property Records

Charles County property record for 11605 Gilbert Ln, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,074 sqft · built 1998
Lot Size	3.23 acres (140,699 sqft)
Owner	Individual Name on Record
Last Sale	$615,000 (Dec 2020)
Tax Bill	$19,627 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-017706`

Property Details

APN / Parcel Number

Primary APN	`04-017706`
Alternative APNs	`4017706` `017706`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,074 sqft Living Area
1st Floor Area	2,343 sqft
Basement Area	1,450 sqft
Finished Basement	1,450 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	140,699 sqft
Garage Type	Attached
Garage Area	516 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	570 sqft
Porch	Open Porch
Porch Area	14 sqft
Deck Area	368 sqft
Gazebo	82 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	017706
Street Address	11605 GILBERT LN
City	LA PLATA
State	MD
Zip	20646-4513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	LOT 3 PLAT 2 = 3.234 GILBERT ACRES SUB
Legal Subdivision	GILBERT ACRES SUB
Legal Block	2
Legal Lot Number	3
Jurisdiction	CHARLES MD
Township / Civil Division	4, ALLENS FRESH
Census Block Group	2
Census Block	2026
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	Individual Name on Record
Mailing Address	11605 GILBERT LN, LA PLATA, MD 20646-4513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 3, 2020	Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2020 · Amount on Record
Deed Sale	Dec 3, 2020 · Amount on Record
Prior Sale	May 13, 2004 · Amount on Record
Deed Book / Page	11468 / 323
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	11605 GILBERT LN, LA PLATA, MD 20646-4513
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11605 GILBERT LN, LA PLATA, MD 20646-4513

Mortgage

Document Number	0132300390
Date	Mar 13, 2024
Book Page	13230/390

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Apr 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Dec 3, 2020
Property Address	11605 GILBERT LN, LA PLATA, MD 20646-4513
Document Number	0114680323
Book / Page	11468 / 323
Map Reference	MB 39 FO 163
Instrument Date	Nov 10, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	11605 GILBERT LN, LA PLATA, MD 20646-4513

Mortgage

Document Number	11468329
Date	Dec 3, 2020
Instrument	11468/329

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 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		$743,900 (+33.17%) Land $151,100 Building $592,800	$743,900 (+33.17%) Land $151,100 Building $592,800
2025	$19,627.00 (+152.99%)
2023	$7,758.00	$558,600 Land $141,100 Building $417,500	$558,600 Land $141,100 Building $417,500

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	0.02% 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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