Charles County property record for 1208 Bannister Cir, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,506 sqft · built 1976 |
| Lot Size | 0.172 acres (7,484 sqft) |
| Owner | Individual Name on File |
| Last Sale | $395,000 (May 2026) |
| Tax Bill | $9,639 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-065708 |
| Primary APN | 06-065708 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,506 sqft Living Area |
| 1st Floor Area | 1,002 sqft |
| Utility Area | 48 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,484 sqft (0.172 acres) |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 065708 |
|---|---|
| Street Address | 1208 BANNISTER CIR |
| City | WALDORF |
| State | MD |
| Zip | 20602-1501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | L-23 B-83 S-VII BANNISTER NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 83 |
| Legal Lot Number | 23 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 850906 |
1208 Bannister Cir is owned and occupied by an individual who bought it in May 2026.
Source: Charles County records, as of September 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1208 BANNISTER CIR, WALDORF, MD 20602-1501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| May 13, 2026 | Deed, Transfer · FHA Mortgage AMERIS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2026 · Amount on File |
| Deed Sale | May 13, 2026 · Amount on File |
| Prior Sale | Apr 3, 2013 · Amount on File |
| Deed Book / Page | 14069 / 28 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 1208 BANNISTER CIR, WALDORF, MD 20602-1501 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2026 |
| Title Company | SIM TITLES LLC, SIM TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1208 BANNISTER CIR, WALDORF, MD 20602-1501 |
| Document Number | 0138090144 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | 13809/144 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 13, 2026 |
| Property Address | 1208 BANNISTER CIR, WALDORF, MD 20602-1501 |
| Document Number | 1406000028 |
| Book / Page | 14069 / 28 |
| Instrument Date | May 1, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Title Company | REALITY TITLE, REALTY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $398,950.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1208 BANNISTER CIR, WALDORF, MD 20602-1501 |
| Document Number | 1406000037, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 14069/37 |
| Name | AMERIS BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Number | 0140690060, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 14069/60 |
| Name | DEPARTMENT OF HSNG AND COMMUNITY |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 1208 Bannister Cir was $9,639.
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 | $348,500 (+2.11%) | $355,700 (-) Land $120,000 Building $235,700 | |
| 2025 | $9,639.00 | $341,300 | $355,700 Land $120,000 Building $235,700 |
| 2023 | $3,895.00 Homeowner's exemption | $301,400 | $334,100 Land $120,000 Building $214,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1208 Bannister Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1208 Bannister Cir is low, with 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within 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 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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