12845 Simpson Dr, Waldorf, MD 20602 Property Records

Charles County property record for 12845 Simpson Dr, Waldorf, MD 20602

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,693 sqft · built 1993
Lot Size	0.671 acres (29,236 sqft)
Owner	2 Individual Names on Record
Last Sale	$356,000 (Sep 2019)
Tax Bill	$4,560 (2023)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-027323`

Property Details

APN / Parcel Number

Primary APN	`08-027323`
Alternative APNs	`8027323` `027323`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,693 sqft Living Area
Gross Area	2,155 sqft
1st Floor Area	1,693 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	29,236 sqft (0.671 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	299 sqft
Deck Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	027323
Street Address	12845 SIMPSON DR
City	WALDORF
State	MD
Zip	20602-3007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	P/O L-3 B-E S-2 CHARLES CO GARDENS SUB
Legal Subdivision	CHARLES CO GARDENS SUB
Legal Block	E
Legal Lot Number	3
Jurisdiction	CHARLES MD
Township / Civil Division	8, BRYANTOWN
Census Block Group	3
Census Block	3007
Census Tract	850904

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12845 SIMPSON DR, WALDORF, MD 20602-3007
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2019 · Amount on Record
Deed Sale	Sep 26, 2019 · Amount on Record
Prior Sale	Jun 8, 2010 · Amount on Record
Deed Book / Page	10801 / 183
Record Updated	Oct 29, 2026

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Sep 26, 2019
Property Address	12845 SIMPSON DR, WALDORF, MD 20602-3007
Document Number	0108010183
Book / Page	010801 / 000183
Instrument Date	Aug 12, 2019
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	ATG TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$356.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12845 SIMPSON DR WALDORF MD 206023007, WALDORF, MD 20602-3007

Mortgage

Document Number	108010192
Date	Sep 26, 2019
Book Page	010801/000192

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

Tax Assessment & Valuation

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		$415,900 (+21.86%) Land $119,600 Building $296,300	$415,900 (+21.86%) Land $119,600 Building $296,300
2023	$4,560.00 Homeowner's exemption	$341,300 Land $119,600 Building $221,700	$341,300 Land $119,600 Building $221,700

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

Flood

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	1 in force

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CHARLES COUNTY GARDENS WATER private · serves 551 people · EPA ID MD0080008
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 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	1 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable · Fiber in parts of the area	1,200 / 35
T-Mobile Fixed Wireless	100 / 20