Charles County property record for 12926 Couples Pl, Waldorf, MD 20601
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,949 sqft · built 1995 |
| Lot Size | 0.423 acres (18,425 sqft) |
| Owner | Individual Name on File |
| Last Sale | $460,000 (Mar 2026) |
| Tax Bill | $10,154 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-183646 |
| Primary APN | 06-183646 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,949 sqft Living Area |
| Gross Area | 3,213 sqft |
| 1st Floor Area | 1,884 sqft |
| Basement Area | 1,065 sqft |
| Finished Basement | 1,065 sqft |
| Utility Area | 100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 18,425 sqft (0.423 acres) |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 132 sqft |
|---|---|
| Patio Area | 264 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 183646 |
|---|---|
| Street Address | 12926 COUPLES PL |
| City | WALDORF |
| State | MD |
| Zip | 20601-3586 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | PAR 1-B, B&C-0.423AC END OF RED OAK LANE VANN SUB |
| Legal Subdivision | VANN SUB |
| Legal Block | 1 |
| Legal Lot Number | 1B |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 850802 |
12926 Couples Pl is owned and occupied by an individual who bought it in March 2026.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12926 COUPLES PL, WALDORF, MD 20601-3586 |
| 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.
| Date | Document |
|---|---|
| Mar 18, 2026 | Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 29, 2025 | Deed, Transfer · Commercial Mortgage BAY PRIVATE CAPITAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2026 · Amount on File |
| Deed Sale | Mar 18, 2026 · Amount on File |
| Prior Sale | Sep 29, 2025 · Amount on File |
| Deed Book / Page | 13999 / 120 |
| Transfer Doc | 0000001703 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Mar 18, 2026 |
| Property Address | 12926 COUPLES PL, WALDORF, MD 20601-3586 |
| Document Number | 0139990120 |
| Book / Page | 13999 / 120 |
| Map Reference | MB 54 FO 367 |
| Instrument Date | Mar 16, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2026 |
| Title Company | TITLEMARK PLLC, TITLEMAX LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 12926 COUPLES PL, WALDORF, MD 20601-3586 |
| Document Number | 0013999126 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 13999/126 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Sep 29, 2025 |
| Property Address | 12926 COUPLES PL, WALDORF, MD 20601-3586 |
| Document Number | 0138050117 |
| Book / Page | 13805 / 117 |
| Map Reference | MB 42 PL 152 |
| Instrument Date | Sep 5, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2025 |
| Title Company | TITLEMARK PLLC, TITLEMAX LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 25 MULLEN LN, LOTHIAN, MD 20711-2101 |
| Document Number | 0013805123 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 13805/123 |
| Name | BAY PRIVATE CAPITAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 12926 Couples Pl was $10,154.
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 | $363,467 (+1.52%) | $368,900 (-) Land $120,000 Building $248,900 | |
| 2025 | $10,154.00 Homeowner's exemption | $358,033 | $368,900 Land $120,000 Building $248,900 |
| 2023 | $4,125.00 Homeowner's exemption | $318,767 | $352,600 Land $120,000 Building $232,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12926 Couples Pl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.
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.
Wildfire risk around 12926 Couples 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 | 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.
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 Fixed Wireless | 100 / 20 |
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