Charles County property record for 118 Garner Ave, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,536 sqft · built 1968 |
| Lot Size | 0.387 acres (16,866 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,900 (Dec 2021) |
| Tax Bill | $8,863 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-008208 |
| Primary APN | 06-008208 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 1,752 sqft |
| 1st Floor Area | 1,536 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 16,866 sqft (0.387 acres) |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 008208 |
|---|---|
| Street Address | 118 GARNER AVE |
| City | WALDORF |
| State | MD |
| Zip | 20602-2930 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | L 21 B 2 S 3-B CARRINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 2 |
| Legal Lot Number | 21 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 850902 |
118 Garner Ave is owned and occupied by an individual who bought it in December 2021.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 118 GARNER AVE, WALDORF, MD 20602-2930 |
| 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.
| Date | Document |
|---|---|
| Nov 8, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Dec 9, 2021 | Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2021 · Amount on File |
| Deed Sale | Dec 9, 2021 · Amount on File |
| Prior Sale | Sep 27, 1991 · Amount on File |
| Deed Book / Page | 12268 / 94 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 118 GARNER AVE, WALDORF, MD 20602-2930 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2023 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 118 GARNER AVE, WALDORF, MD 20602-2930 |
| Document Number | 0131100396 |
|---|---|
| Date | Nov 8, 2023 |
| Book Page | 13110/396 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Dec 9, 2021 |
| Property Address | 118 GARNER AVE, WALDORF, MD 20602-2930 |
| Document Number | 0122680094 |
| Book / Page | 12268 / 94 |
| Map Reference | MB PCM 11 FO 49 |
| Instrument Date | Oct 8, 2021 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | CARDINAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,249.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 GARNER AVE, WALDORF, MD 20602-2930 |
| Document Number | 0012268101 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 12268/101 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2051 |
| Document Number | 0122680124 |
|---|---|
| Date | Dec 9, 2021 |
| Book Page | 12268/124 |
| Name | MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
|---|---|
| Type | Government Agency |
| Address | LANHAM, MD 20706 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 118 Garner Ave was $8,863 with a homeowner's exemption.
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 | $298,800 | $309,700 Land $125,300 Building $184,400 | |
| 2025 | $8,863.00 | ||
| 2023 | $3,570.00 | $253,633 | $277,000 Land $125,300 Building $151,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 Garner Ave in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 risk around 118 Garner Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WALDORF - CHARLES COUNTY DPW serves 84,296 people · EPA ID MD0080049 |
|---|---|
| Water Source | Purchased surface water from WASHINGTON SUBURBAN SANITARY COMMISSION |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 148 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 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures