11609 Rest Dr, La Plata, MD 20646 Property Records

Charles County property record for 11609 Rest Dr, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,582 sqft · built 2002
Lot Size	3.06 acres (133,729 sqft)
Owner	2 Individual Names on File
Last Sale	$655,000 (Aug 2022)
Tax Bill	$15,816 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-025725`

Property Details

APN / Parcel Number

Primary APN	`04-025725`
Alternative APNs	`4025725` `025725`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,582 sqft Living Area
Gross Area	4,042 sqft
1st Floor Area	1,162 sqft
Basement Area	916 sqft
Finished Basement	916 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	133,729 sqft
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	304 sqft
Deck Area	406 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	025725
Street Address	11609 REST DR
City	LA PLATA
State	MD
Zip	20646-4507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	LOT 41 PL 2 = 3.0 AC HARDSHIP PLANTATION SUB
Legal Subdivision	HARDSHIP PLANTATION SUB
Legal Block	2
Legal Lot Number	41
Jurisdiction	CHARLES MD
Township / Civil Division	4, ALLENS FRESH
Census Block Group	2
Census Block	2015
Census Tract	851301

Owner

11609 Rest Dr is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	11609 REST DR, LA PLATA, MD 20646-4507
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 5, 2022	Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2022 · Amount on File
Deed Sale	Aug 5, 2022 · Amount on File
Prior Sale	Jun 4, 2002 · Amount on File
Deed Book / Page	12656 / 75
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	11609 REST DR, LA PLATA, MD 20646-4507
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11609 REST DR, LA PLATA, MD 20646-4507

Mortgage

Document Number	0114040019
Date	Oct 28, 2020
Book Page	11404/19

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Jun 1, 2050

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Aug 5, 2022
Property Address	11609 REST DR, LA PLATA, MD 20646-4507
Document Number	0126560075
Book / Page	12656 / 75
Map Reference	MB 51 FO 174
Instrument Date	Jul 29, 2022
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	BUYERS TITLE, BUYERS TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,550.00
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 by the Entirety
Address	11609 REST DR, LA PLATA, MD 20646-4507

Mortgage

Document Number	0001265679
Date	Aug 5, 2022
Instrument	12656/79

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 11609 Rest Dr was $15,816.

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		$586,100 Land $150,300 Building $435,800	$586,100 Land $150,300 Building $435,800
2025	$15,816.00
2023	$6,188.00	$440,100 Land $140,300 Building $299,800	$440,100 Land $140,300 Building $299,800

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

Flood

FEMA maps place 11609 Rest Dr 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 11609 Rest Dr 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	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 22 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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