Charles County property record for 129 Garner Ave, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,689 sqft · built 1968 |
| Lot Size | 0.283 acres (12,346 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Apr 1998) |
| Tax Bill | $9,409 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Apr 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-020844 |
| Primary APN | 06-020844 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,689 sqft Living Area |
| Gross Area | 1,964 sqft |
| 1st Floor Area | 1,014 sqft |
| Basement Area | 675 sqft |
| Finished Basement | 675 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,346 sqft (0.283 acres) |
| Garage Type | Attached |
| Garage Area | 275 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 020844 |
|---|---|
| Street Address | 129 GARNER AVE |
| City | WALDORF |
| State | MD |
| Zip | 20602-2932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | L 6 B 26 S 3-B CARRINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 26 |
| Legal Lot Number | 6 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 850902 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 129 GARNER AVE, WALDORF, MD 20602-2932 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Apr 15, 2020 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 9, 1998 · Amount on Record |
| Deed Sale | Apr 9, 1998 · Amount on Record |
| Prior Sale | Jan 7, 1998 · Amount on Record |
| Deed Document Number | 199854298 |
| Deed Book / Page | 2542 / 588 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 129 GARNER AVE, WALDORF, MD 20602-2932 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 129 GARNER AVE, WALDORF, MD 20602-2932 |
| Document Number | 0124740109 |
|---|---|
| Date | Mar 28, 2022 |
| Book Page | 12474/109 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 129 GARNER AVE, WALDORF, MD 20602-2932 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0110860213 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 11086/213 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | LEESBURG, VA 20175 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $313,567 (+16.44%) | $323,800 (+10.47%) Land $125,100 Building $198,700 | |
| 2025 | $9,409.00 (+143.38%) | ||
| 2023 | $3,866.00 (+25.68%) | $269,300 (+9.69%) | $293,100 (-) Land $125,100 Building $168,000 |
| 2022 | $3,076.00 | $245,500 | $293,100 Land $125,100 Building $168,000 |
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 148 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 · Fiber in parts of the area | 2,000 / 250 |
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