Charles County property record for 12407 Derek Pl, Waldorf, MD 20602
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,400 sqft · built 1994 |
| Lot Size | 0.034 acres (1,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $145,000 (Mar 2015) |
| Tax Bill | $7,640 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Aug 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-205860 |
| Primary APN | 06-205860 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,400 sqft Living 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 | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 205860 |
|---|---|
| Street Address | 12407 DEREK PL |
| City | WALDORF |
| State | MD |
| Zip | 20602-1407 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | RH |
| Legal Description | LOT 124 SEC 1 PLAT 2 LAKEWOOD ESTATES SUB |
| Legal Subdivision | LAKEWOOD ESTATES SUB |
| Legal Block | 1 |
| Legal Lot Number | 124 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 850905 |
Source: Charles County records, as of September 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 12407 DEREK PL, WALDORF, MD 20602-1407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 5, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Aug 31, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Oct 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TITAN MUTUAL LENDING INC |
| Jan 10, 2019 | Intrafamily Transfer, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 2015 · Amount on Record |
| Deed Sale | Mar 11, 2015 · Amount on Record |
| Prior Sale | Jun 19, 2014 · Amount on Record |
| Deed Book / Page | 8849 / 136 |
| Last Transfer Date | Dec 22, 2018 |
| Transfer Doc | 0105080056 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 12407 DEREK PL, WALDORF, MD 20602-1407 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 12407 DEREK PL, WALDORF, MD 20602-1407 |
| Document Number | 0127880431 |
|---|---|
| Date | Dec 5, 2022 |
| Book Page | 12788/431 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 4, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 12407 DEREK PL, WALDORF, MD 20602-1407 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 12407 DEREK PL, WALDORF, MD 20602-1407 |
| Document Number | 0112940361 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 11294/361 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 12407 DEREK PL, WALDORF, MD 20602-1407 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 0110060480 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | 11006/480 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 12407 DEREK PL, WALDORF, MD 20602-1407 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 12407 DEREK PL, WALDORF, MD 20602-1407 |
| Document Number | 0121400061 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | 12140/61 |
| Name | TITAN MUTUAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92602 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jan 10, 2019 |
| Property Address | 12407 DEREK PL, WALDORF, MD 20602-1407 |
| Document Number | 0105080056 |
| Book / Page | 10508 / 056 |
| Map Reference | MB 41 FO 194 |
| Instrument Date | Dec 22, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | CHRONOS TITLE INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 12407 DEREK PL, WALDORF, MD 20602-1407 |
| Document Number | 0001050861 |
|---|---|
| Date | Jan 10, 2019 |
| Instrument | 10508/61 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2049 |
Source: Charles County assessment roll, as of September 22, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,640.00 (+152.81%) Homeowner's exemption | $257,033 (+17.56%) | $293,900 (+23.18%) Land $95,000 Building $198,900 |
| 2023 | $3,022.00 Homeowner's exemption | $218,633 | $238,600 Land $90,000 Building $148,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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