Charles County property record for 12402 Derek Pl, Waldorf, MD 20602
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 2,040 sqft · built 1992 |
| Lot Size | 0.035 acres (1,526 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,000 (Feb 2024) |
| Tax Bill | $9,937 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Aug 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-206166 |
| Primary APN | 06-206166 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,040 sqft Living Area |
| Gross Area | 2,220 sqft |
| 1st Floor Area | 740 sqft |
| Basement Area | 560 sqft |
| Finished Basement | 560 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,526 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 | 206166 |
|---|---|
| Street Address | 12402 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 151 SEC 1 PLAT 2 LAKEWOOD ESTATES SUB |
| Legal Subdivision | LAKEWOOD ESTATES SUB |
| Legal Block | 1 |
| Legal Lot Number | 151 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 850905 |
12402 Derek Pl, a townhouse, is owned and occupied by two individuals who bought it in February 2024.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12402 DEREK PL, WALDORF, MD 20602-1408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Feb 26, 2024 | Deed, Transfer · FHA Mortgage VELLUM MORTGAGE LLC |
| Aug 3, 2022 | Deed of Trust, Mortgage · Line of Credit CAPITAL BANK NA |
| Jun 30, 2020 | Deed, Transfer · Conventional Mortgage SANDY SPRING BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 26, 2024 · Amount on File |
| Deed Sale | Feb 26, 2024 · Amount on File |
| Prior Sale | Jun 30, 2020 · Amount on File |
| Deed Book / Page | 13212 / 434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Feb 26, 2024 |
| Property Address | 12402 DEREK PL, WALDORF, MD 20602-1408 |
| Document Number | 0132120434 |
| Book / Page | 13212 / 434 |
| Map Reference | LB 42 FO 17 |
| Instrument Date | Feb 22, 2024 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2024 |
| Title Company | STAR SETTLEMENT LLC, SMART SETTLEMENTS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $912.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12402 DEREK PL, WALDORF, MD 20602-1408 |
| Document Number | 0013212441 |
|---|---|
| Date | Feb 26, 2024 |
| Instrument | 13212/441 |
| Name | VELLUM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 12402 DEREK PL, WALDORF, MD 20602-1408 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | SWAN TITLE CORPORATION |
| Name | Verified Name |
|---|---|
| Address | 12402 DEREK PL, WALDORF, MD 20602-1408 |
| Document Number | 0126540179 |
|---|---|
| Date | Aug 3, 2022 |
| Book Page | 12654/179 |
| Name | CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Address | ROCKVILLE, MD 20850 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jun 30, 2020 |
| Property Address | 12402 DEREK PL, WALDORF, MD 20602-1408 |
| Document Number | 0112010416 |
| Book / Page | 11201 / 416 |
| Map Reference | LB 42 FO 17 |
| Instrument Date | May 1, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | PRIDE SETMNT & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,987.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 12402 DEREK PL, WALDORF, MD 20602-1408 |
| Document Number | 11201423 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 11201/423 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
The 2025 property tax bill for 12402 Derek Pl was $9,937 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 | $337,133 | $350,900 Land $95,000 Building $255,900 | |
| 2025 | $9,937.00 | ||
| 2023 | $3,860.00 (+18.95%) Homeowner's exemption | $284,300 (+9.77%) | $309,600 (-) Land $90,000 Building $219,600 |
| 2022 | $3,245.00 Homeowner's exemption | $259,000 | $309,600 Land $90,000 Building $219,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12402 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 12402 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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