14909 Gardner Rd, Waldorf, MD 20601 Property Records

Prince George's County property record for 14909 Gardner Rd, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,112 sqft · built 1972
Lot Size	1.79 acres (77,972 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Dec 2023)
Tax Bill	$3,402 (2023)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-0377499`

Property Details

APN / Parcel Number

Primary APN	`05-0377499`
Alternative APN	`0377499`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,112 sqft Total Area
1st Floor Area	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	77,972 sqft (1.79 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	0377499
Street Address	14909 GARDNER RD
City	WALDORF
State	MD
Zip	20601-3821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	HUCKLEBERRY GROVE
Legal Subdivision	HUCKLEBERRY GROVE
Legal Lot Number	1
Jurisdiction	PRINCE GEORGE'S MD
Township / Civil Division	5, PISCATAWAY
Census Block Group	3
Census Block	3041
Census Tract	801311

Owner

Source: Prince George's County records, as of December 28, 2023

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	14909 GARDNER RD, WALDORF, MD 20601-3821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK
Dec 18, 2023	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Jan 10, 2020	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Sale	Jan 10, 2020 · Amount on Record
Deed Document Number	0049378473
Deed Book / Page	49378 / 473
Record Updated	Jun 7, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PRINCE GEORGE'S MD
Property Address	14909 GARDNER RD, WALDORF, MD 20601-3821
Transaction Type	Mortgage
Record Updated	Dec 30, 2025
Title Company	DISTRICT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14909 GARDNER RD, WALDORF, MD 20601-3821

Mortgage

Document Number	0515190372
Date	Dec 10, 2025
Book Page	51519/372

Lender

Name	UNITED BANK
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.6%

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	PRINCE GEORGE'S MD
Recording Date	Dec 18, 2023
Property Address	14909 GARDNER RD, WALDORF, MD 20601-3821
Document Number	0493780473
Book / Page	49378 / 473
Map Reference	MB 77 PL 39
Instrument Date	Nov 27, 2023
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	SETTLEMENT MATTERS LLC, SETTLEMENT TRUST LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	14909 GARDNER RD, WALDORF, MD 20601-3821

Mortgage

Document Number	0049378482
Date	Dec 18, 2023
Instrument	49378/482

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.49%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12.4%
Margin	3
Max Rate	12.4%

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	PRINCE GEORGE'S MD
Recording Date	Jan 10, 2020
Property Address	14909 GARDNER RD, WALDORF, MD 20601-3821
Document Number	0430120327
Book / Page	43012 / 327
Instrument Date	Nov 22, 2019
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	BAY COUNTY SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	14909 GARDNER RD, WALDORF, MD 20601-3821

Mortgage

Document Number	43012333
Date	Jan 10, 2020
Instrument	43012/333

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Prince George's County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Prince George's County
Unified School District	Prince George's County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,402.00	$305,967	$316,600 Land $115,800 Building $200,800

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 January 15, 2026 · 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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	7 (2009–2022)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Aug 2022 · tidal / storm surge

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	0.02% 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	WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people · EPA ID MD0150005
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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