12245 Wendy Ln, Waldorf, MD 20601 Property Records

Charles County property record for 12245 Wendy Ln, Waldorf, MD 20601

Property Summary

Property Type	Exempt (Full or Partial)
Details	2.5 ba · 2,096 sqft · built 1988
Lot Size	0.706 acres (30,733 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Feb 2025)
Tax Bill	$11,225 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-174620`

Property Details

APN / Parcel Number

Primary APN	`06-174620`
Alternative APNs	`6174620` `174620`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,096 sqft Gross Area
1st Floor Area	1,856 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	30,733 sqft (0.706 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	240 sqft
Deck Area	192 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	174620
Street Address	12245 WENDY LN
City	WALDORF
State	MD
Zip	20601-2725
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	RM
Legal Description	LOT 21 BLK F SEC 2 MARBELLA SUB
Legal Subdivision	MARBELLA SUB
Legal Block	F
Legal Lot Number	21
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	4
Census Block	4000
Census Tract	850709

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	12245 WENDY LN, WALDORF, MD 20601-2725
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · Line of Credit NRL FCU
Dec 15, 2021	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2025 · Amount on Record
Deed Sale	Feb 3, 2025 · Amount on Record
Prior Sale	Dec 15, 2021 · Amount on Record
Deed Book / Page	13555 / 36
Last Transfer Date	Feb 5, 2026
Transfer Doc	0139540149
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	12245 WENDY LN, WALDORF, MD 20601-2725
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12245 WENDY LN, WALDORF, MD 20601-2725

Mortgage

Document Number	0120290107
Date	Aug 25, 2021
Book Page	12029/107

Lender

Name	NRL FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22312

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 18, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Dec 15, 2021
Property Address	12245 WENDY LN, WALDORF, MD 20601-2725
Document Number	0122810321
Book / Page	12281 / 321
Map Reference	MB 37 FO 25
Instrument Date	Nov 29, 2021
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12245 WENDY LN, WALDORF, MD 20601-2725

Mortgage

Document Number	0012281329
Date	Dec 15, 2021
Instrument	12281/329

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

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		$392,833 (+5.52%)	$413,400 (-) Land $127,200 Building $286,200
2025	$11,225.00 (+140.31%)	$372,267 (+12.79%)	$413,400 (+17.54%) Land $127,200 Building $286,200
2023	$4,671.00 (+20.89%)	$330,067 (+7.01%)	$351,700 (-) Land $127,200 Building $224,500
2022	$3,864.00	$308,433	$351,700 Land $127,200 Building $224,500

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	4 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2019 · 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 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	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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