Charles County property record for 11640 Gilbert Ln, La Plata, MD 20646
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,114 sqft · built 1997 |
| Lot Size | 3.03 acres (132,422 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $45,000 (Apr 1997) |
| Tax Bill | $12,388 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-017854 |
| Primary APN | 04-017854 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,114 sqft Living Area |
| Gross Area | 2,738 sqft |
| 1st Floor Area | 901 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 132,422 sqft |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
| Porch | Open Porch |
| Porch Area | 265 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 017854 |
|---|---|
| Street Address | 11640 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 16 PLAT 3= 3.044 GILBERT ACRES SUB |
| Legal Subdivision | GILBERT ACRES SUB |
| Legal Block | 2 |
| Legal Lot Number | 16 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 4, ALLENS FRESH |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 851301 |
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 | 11640 GILBERT LN, LA PLATA, MD 20646-4514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jul 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 1997 · Amount on Record |
| Deed Sale | Apr 22, 1997 · Amount on Record |
| Deed Document Number | 19973897 |
| Deed Book / Page | 2365 / 261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 11640 GILBERT LN, LA PLATA, MD 20646-4514 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 11640 GILBERT LN, LA PLATA, MD 20646-4514 |
| Document Number | 0130700466 |
|---|---|
| Date | Oct 2, 2023 |
| Book Page | 13070/466 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 11640 GILBERT LN, LA PLATA, MD 20646-4514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|
| Document Number | 0112410285 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 11241/285 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
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 | $434,300 (+22.93%) Land $150,200 Building $284,100 | $434,300 (+22.93%) Land $150,200 Building $284,100 | |
| 2025 | $12,388.00 (+145.89%) | ||
| 2023 | $5,038.00 | $353,300 Land $140,200 Building $213,100 | $353,300 Land $140,200 Building $213,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
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