Charles County property record for 12400 Derek Pl, Waldorf, MD 20602
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,930 sqft · built 1992 |
| Lot Size | 0.035 acres (1,509 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,990 (May 2018) |
| Tax Bill | $9,483 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-206174 |
| Primary APN | 06-206174 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,930 sqft Living Area |
| Gross Area | 2,110 sqft |
| 1st Floor Area | 720 sqft |
| Basement Area | 550 sqft |
| Finished Basement | 550 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,509 sqft (0.035 acres) |
| Garage Type | Attached |
| Garage Area | 180 sqft |
| Deck Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 206174 |
|---|---|
| Street Address | 12400 DEREK PL |
| City | WALDORF |
| State | MD |
| Zip | 20602-1408 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | RH |
| Legal Description | LOT 152 SEC 1 PLAT 2 LAKEWOOD ESTATES SUB |
| Legal Subdivision | LAKEWOOD ESTATES SUB |
| Legal Block | 1 |
| Legal Lot Number | 152 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 850905 |
12400 Derek Pl, a townhouse, is owned and occupied by an individual who bought it in May 2018.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12400 DEREK PL, WALDORF, MD 20602-1408 |
| 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 |
|---|---|
| Apr 17, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Nov 4, 2020 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Dec 6, 2019 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS |
| May 30, 2018 | Grant Deed, Transfer · FHA Mortgage FREEDOM BK/VA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 30, 2018 · Amount on File |
| Deed Sale | May 30, 2018 · Amount on File |
| Prior Sale | Jul 27, 2011 · Amount on File |
| Deed Book / Page | 10279 / 155 |
| Prior Transfer Date | Apr 24, 2015 |
| Prior Transfer Doc | 0089970437 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Apr 17, 2026 |
| Property Address | 12400 DEREK PL, WALDORF, MD 20602-1408 |
| Document Number | 1403000193 |
| Book / Page | 14036 / 193 |
| Instrument Date | Apr 17, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 12400 DEREK PL, WALDORF, MD 20602-1408 |
| Document Number | 1403000193, |
|---|---|
| Date | Apr 17, 2026 |
| Book Page | 14036/193 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 295 Months |
| Due | Nov 1, 2050 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 12400 DEREK PL, WALDORF, MD 20602-1408 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0114170212 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 11417/212 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 12400 DEREK PL, WALDORF, MD 20602-1408 |
| Document Number | 0109130074 |
| Instrument Date | Dec 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 12400 DEREK PL WALDORF MD 206021408, WALDORF, MD 20602-1408 |
| Document Number | 0109130074 |
|---|---|
| Date | Dec 13, 2019 |
| Book Page | 010913/000074 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 12, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 30, 2018 |
| Property Address | 12400 DEREK PL, WALDORF, MD 20602-1408 |
| Document Number | 0102790155 |
| Book / Page | 010279 / 000155 |
| Instrument Date | Apr 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2018 |
| Title Company | PRIME TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12400 DEREK PL WALDORF MD 206021408, WALDORF, MD 20602-1408 |
| Document Number | 102790161 |
|---|---|
| Date | May 30, 2018 |
| Book Page | 010279/000161 |
| Name | FREEDOM BK/VA |
|---|---|
| Type | Bank |
| Address | FAIRFAX, VA 22030 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 29, 2048 |
The 2025 property tax bill for 12400 Derek Pl was $9,483.
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 | $326,367 (+6.61%) | $346,600 (-) Land $95,000 Building $251,600 | |
| 2025 | $9,483.00 | $306,133 | $346,600 Land $95,000 Building $251,600 |
| 2023 | $3,759.00 (+26.82%) | $261,233 (+10.43%) | $285,900 (-) Land $90,000 Building $195,900 |
| 2022 | $2,964.00 | $236,567 | $285,900 Land $90,000 Building $195,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12400 Derek Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Jul 2020 · other causes |
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 12400 Derek Pl 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 | Direct burnable vegetation |
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 165 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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