Charles County property record for 12470 Topaz Ct, Waldorf, MD 20601
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,484 sqft · built 1999 |
| Lot Size | 0.299 acres (13,006 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,800 (Aug 1999) |
| Tax Bill | $11,390 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-272843 |
| Primary APN | 06-272843 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,484 sqft Living Area |
| Gross Area | 2,884 sqft |
| 1st Floor Area | 1,162 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,006 sqft (0.299 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 32 sqft |
| Deck Area | 292 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 272843 |
|---|---|
| Street Address | 12470 TOPAZ CT |
| City | WALDORF |
| State | MD |
| Zip | 20601-3539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | LOT 18 = 0.2985 AC KEYSTONE ESTATES SUB |
| Legal Subdivision | KEYSTONE ESTATES SUB |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 850802 |
Source: Charles County assessment roll, 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 File |
|---|---|
| Mailing Address | 12470 TOPAZ CT, WALDORF, MD 20601-3539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE |
| Sep 5, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 3, 1999 · Amount on Record |
| Deed Sale | Aug 3, 1999 · Amount on Record |
| Prior Sale | Apr 29, 1999 · Amount on Record |
| Deed Document Number | 1999161099 |
| Deed Book / Page | 2844 / 132 |
| Last Transfer Date | Jul 25, 2008 |
| Transfer Doc | 0066780097 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 12470 TOPAZ CT, WALDORF, MD 20601-3539 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | TRUSTED TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 12470 TOPAZ CT, WALDORF, MD 20601-3539 |
| Document Number | 0120850156 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 12085/156 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 12470 TOPAZ CT, WALDORF, MD 20601-3539 |
| Document Number | 0104450226 |
| Instrument Date | Sep 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 12470 TOPAZ CT WALDORF MD 206013539, WALDORF, MD 20601-3539 |
| Document Number | 0104450226 |
|---|---|
| Date | Nov 5, 2018 |
| Book Page | 010445/000226 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Nov 4, 2058 |
| Rate Type | Fixed Rate |
|---|
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 | $11,390.00 (+138.78%) Homeowner's exemption | $385,067 (+14.07%) | $448,800 (+27.07%) Land $125,100 Building $323,700 |
| 2023 | $4,770.00 Homeowner's exemption | $337,567 | $353,200 Land $125,100 Building $228,100 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1999–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2018 · 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 at the parcel |
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 202 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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