12437 Derek Pl, Waldorf, MD 20602 Property Records

Charles County property record for 12437 Derek Pl, Waldorf, MD 20602

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,888 sqft · built 1994
Lot Size	0.038 acres (1,651 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Sep 2008)
Tax Bill	$9,205 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`06-206034`

Property Details

APN / Parcel Number

Primary APN	`06-206034`
Alternative APNs	`6206034` `206034`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,888 sqft Living Area
1st Floor Area	708 sqft
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,651 sqft (0.038 acres)
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	206034
Street Address	12437 DEREK PL
City	WALDORF
State	MD
Zip	20602-1411
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RH
Legal Description	LOT 139 SEC 1 PLAT 2 LAKEWOOD ESTATES SUB
Legal Subdivision	LAKEWOOD ESTATES SUB
Legal Block	1
Legal Lot Number	139
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1001
Census Tract	850905

Owner

12437 Derek Pl, a townhouse, is owned and occupied by an individual who bought it in September 2008.

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

Owner of Record	Individual Name on File
Mailing Address	12437 DEREK PL, WALDORF, MD 20602-1411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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	Sep 4, 2008 · Amount on File
Deed Sale	Sep 4, 2008 · Amount on File
Prior Sale	Aug 5, 2008 · Amount on File
Deed Document Number	2008131908
Deed Book / Page	6691 / 438
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	12437 DEREK PL, WALDORF, MD 20602-1411
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	2020 TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12437 DEREK PL PI, PI, WALDORF, MD 20602-1411

Mortgage

Document Number	0123130299
Date	Jan 6, 2022
Book Page	12313/299

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 12437 Derek Pl was $9,205 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		$322,633	$335,700 Land $95,000 Building $240,700
2025	$9,205.00
2023	$3,720.00 (+19.5%) Homeowner's exemption	$272,500 (+9.66%)	$296,500 (-) Land $90,000 Building $206,500
2022	$3,113.00 Homeowner's exemption	$248,500	$296,500 Land $90,000 Building $206,500

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

Flood

FEMA maps place 12437 Derek Pl in Zone X, an area of moderate flood risk, within 100 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 100 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 12437 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