12430 Derek Pl, Waldorf, MD 20602 Property Records

Charles County property record for 12430 Derek Pl, Waldorf, MD 20602

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,856 sqft · built 1993
Lot Size	0.034 acres (1,500 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jan 2019)
Tax Bill	$9,366 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`06-206123`

Property Details

APN / Parcel Number

Primary APN	`06-206123`
Alternative APNs	`6206123` `206123`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,856 sqft Living Area
Gross Area	2,120 sqft
1st Floor Area	720 sqft
Basement Area	436 sqft
Finished Basement	436 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,500 sqft (0.034 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	206123
Street Address	12430 DEREK PL
City	WALDORF
State	MD
Zip	20602-1413
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RH
Legal Description	LOT 148 SEC 1 PLAT 2 LAKEWOOD ESTATES SUB
Legal Subdivision	LAKEWOOD ESTATES SUB
Legal Block	1
Legal Lot Number	148
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1001
Census Tract	850905

Owner

12430 Derek Pl, a townhouse, is owned and occupied by an individual who bought it in January 2019.

Source: Charles County records, as of September 16, 2026

Owner of Record	Individual Name on File
Mailing Address	12430 DEREK PL, WALDORF, MD 20602-1413
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2019 · Amount on File
Deed Sale	Jan 4, 2019 · Amount on File
Prior Sale	Dec 23, 1993 · Amount on File
Deed Book / Page	10500 / 32
Record Updated	Oct 29, 2026

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Jan 4, 2019
Property Address	12430 DEREK PL, WALDORF, MD 20602-1413
Document Number	0105000032
Book / Page	10500 / 032
Map Reference	LB 41 FO 194
Instrument Date	Dec 31, 2018
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	SOUTHERN MARYLAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0105000040
Date	Jan 4, 2019
Book Page	10500/040

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company
Address	ENGLEWOOD CLIFFS, NJ 07632

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12430 Derek Pl was $9,366 with a homeowner's exemption.

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		$336,267	$350,100 Land $95,000 Building $255,100
2025	$9,366.00
2023	$3,789.00 Homeowner's exemption	$283,333	$308,600 Land $90,000 Building $218,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12430 Derek Pl in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

Wildfire risk around 12430 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.

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 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