11685 Gilbert Ln, La Plata, MD 20646 Property Records

Charles County property record for 11685 Gilbert Ln, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,529 sqft · built 1994
Lot Size	4.05 acres (176,418 sqft)
Owner	2 Individual Names on Record
Last Sale	$467,000 (Dec 2018)
Tax Bill	$14,760 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Dec 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-017803`

Property Details

APN / Parcel Number

Primary APN	`04-017803`
Alternative APNs	`4017803` `017803`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,529 sqft Living Area
Gross Area	3,013 sqft
1st Floor Area	2,529 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	176,418 sqft
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	42 sqft
Shed	1 Shed
Shed Area	468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	017803
Street Address	11685 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 12 PLAT 3= 4.050 GILBERT ACRES SUB
Legal Subdivision	GILBERT ACRES SUB
Legal Block	2
Legal Lot Number	12
Jurisdiction	CHARLES MD
Township / Civil Division	4, ALLENS FRESH
Census Block Group	2
Census Block	2025
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	11685 GILBERT LN, LA PLATA, MD 20646-4513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CEDAR POINT FCU
Dec 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage CEDAR POINT FCU
Jan 12, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage CEDAR POINT FCU
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage C&F MORTGAGE CORP
Dec 17, 2018	Deed, Transfer · FHA Mortgage C&F MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Mar 25, 1994 · Amount on Record
Deed Book / Page	10486 / 161
Last Transfer Date	Dec 9, 2025
Transfer Doc	0139280088
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	11685 GILBERT LN, LA PLATA, MD 20646-4513
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLUE CRAB T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11685 GILBERT LN, LA PLATA, MD 20646-4513

Mortgage

Document Number	0132500066
Date	Apr 5, 2024
Book Page	13250/66

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2039

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	11685 GILBERT LN, LA PLATA, MD 20646-4513
Transaction Type	Mortgage
Record Updated	Dec 30, 2025
Title Company	UNKNOWN, BLUE CRAB T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11685 GILBERT LN, LA PLATA, MD 20646-4513

Mortgage

Document Number	0139000123
Date	Dec 15, 2025
Book Page	13900/123

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2041

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLES MD
Recording Date	Jan 12, 2026
Property Address	11685 GILBERT LN, LA PLATA, MD 20646-4513
Document Number	0139280088
Book / Page	13928 / 88
Map Reference	MB 39 FO 164
Instrument Date	Dec 9, 2025
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	UNKNOWN, BLUE CRAB T&E LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11685 GILBERT LN, LA PLATA, MD 20646-4513

Mortgage

Document Number	0013900123
Date	Jan 12, 2026
Instrument	13900/123

Lender

Name	CEDAR POINT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2041

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	11685 GILBERT LN, LA PLATA, MD 20646-4513
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	A 1 TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0111310310
Date	May 18, 2020
Book Page	11131/310

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company
Address	MIDLOTHIAN, VA 23113

Agreement

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

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Dec 17, 2018
Property Address	11685 GILBERT LN, LA PLATA, MD 20646-4513
Document Number	0104860161
Book / Page	10486 / 161
Map Reference	MB39 FO164
Instrument Date	Nov 26, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MARYLAND TRUST TITLE & ESCRO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,670.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11685 GILBERT LN, LA PLATA, MD 20646-4513

Mortgage

Document Number	0010486169
Date	Dec 17, 2018
Instrument	10486/169

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

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		$520,500 (+4.65%) Land $155,200 Building $365,300	$520,500 (-) Land $155,200 Building $365,300
2025	$14,760.00 (+133.03%) Homeowner's exemption	$497,367 (+10.26%)	$520,500 (+15.38%) Land $155,200 Building $365,300
2023	$6,334.00 Homeowner's exemption	$451,100 Land $145,200 Building $305,900	$451,100 Land $145,200 Building $305,900

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	0.02% 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 11 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)

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