Charles County property record for 12405 Derek Pl, Waldorf, MD 20602
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 2.5 ba · 1,360 sqft · built 1994 |
| Lot Size | 0.034 acres (1,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Oct 2002) |
| Tax Bill | $772 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-205852 |
| Primary APN | 06-205852 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Gross Area |
| 1st Floor Area | 720 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,500 sqft (0.034 acres) |
| Deck Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 205852 |
|---|---|
| Street Address | 12405 DEREK PL |
| City | WALDORF |
| State | MD |
| Zip | 20602-1407 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | RH |
| Legal Description | LOT 123 SEC 1 PLAT 1 LAKEWOOD ESTATES SUB |
| Legal Subdivision | LAKEWOOD ESTATES SUB |
| Legal Block | 1 |
| Legal Lot Number | 123 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 850905 |
12405 Derek Pl is owned by an individual who bought it in October 2002.
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 | 12405 DEREK PL, WALDORF, MD 20602-1407 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Oct 1, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2002 · Amount on File |
| Deed Sale | Oct 25, 2002 · Amount on File |
| Prior Sale | Mar 14, 2002 · Amount on File |
| Deed Document Number | 2002268802 |
| Deed Book / Page | 3746 / 140 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 12405 DEREK PL, WALDORF, MD 20602-1407 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0113750253 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 11375/253 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 12405 DEREK PL, WALDORF, MD 20602-1407 |
| Document Number | 0108560307 |
| Instrument Date | Oct 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2019 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 12405 DEREK PL WALDORF MD 206021407, WALDORF, MD 20602-1407 |
| Document Number | 0108560307 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 010856/000307 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 3, 2049 |
The 2025 property tax bill for 12405 Derek Pl was $772.
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 | $266,333 | $288,600 Land $95,000 Building $193,600 | |
| 2025 | $772.00 | ||
| 2023 | $3,009.00 (+28.15%) Disabled Person's exemption Veteran's exemption | $204,633 (+9.16%) | $221,800 (-) Land $90,000 Building $131,800 |
| 2022 | $2,348.00 | $187,467 | $221,800 Land $90,000 Building $131,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12405 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 12405 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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