Charles County property record for 1909 Michael Rd, Waldorf, MD 20601
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,744 sqft · built 1976 |
| Lot Size | 0.23 acres (10,020 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $254,000 (Apr 2018) |
| Tax Bill | $9,528 (2025) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-035229 |
| Primary APN | 08-035229 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,744 sqft Living Area |
| Gross Area | 2,212 sqft |
| 1st Floor Area | 996 sqft |
| Basement Area | 748 sqft |
| Finished Basement | 748 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,020 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 035229 |
|---|---|
| Street Address | 1909 MICHAEL RD |
| City | WALDORF |
| State | MD |
| Zip | 20601-3304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | L-22 B-T S-2 PINEFIELD SUB |
| Legal Subdivision | PINEFIELD SUB |
| Legal Block | T |
| Legal Lot Number | 22 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 8, BRYANTOWN |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 850801 |
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 | 1909 MICHAEL RD, WALDORF, MD 20601-3304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU |
| Feb 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC |
| Apr 12, 2018 | Deed, Transfer · FHA Mortgage FIDELITY BANK |
| Sep 13, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 12, 2018 · Amount on Record |
| Deed Sale | Apr 12, 2018 · Amount on Record |
| Prior Sale | Sep 13, 2017 · Amount on Record |
| Deed Book / Page | 10228 / 160 |
| Prior Transfer Date | Aug 4, 2017 |
| Prior Transfer Doc | 0099870304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 1909 MICHAEL RD, WALDORF, MD 20601-3304 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0129030003 |
|---|---|
| Date | Apr 12, 2023 |
| Book Page | 12903/3 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Mar 28, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 1909 MICHAEL RD, WALDORF, MD 20601-3304 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0124030452 |
|---|---|
| Date | Feb 18, 2022 |
| Book Page | 12403/452 |
| Name | LAKEVIEW COMMUNITY CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Apr 12, 2018 |
| Property Address | 1909 MICHAEL RD, WALDORF, MD 20601-3304 |
| Document Number | 0102280160 |
| Book / Page | 10228 / 160 |
| Map Reference | MB PCM12 PL16 |
| Instrument Date | Feb 28, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | GEMINI TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,908.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 1909 MICHAEL RD, WALDORF, MD 20601-3304 |
| Document Number | 0010228168 |
|---|---|
| Date | Apr 12, 2018 |
| Instrument | 10228/168 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 1, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Sep 13, 2017 |
| Property Address | 1909 MICHAEL RD, WALDORF, MD 20601-3304 |
| Document Number | 0099870304 |
| Book / Page | 009987 / 000304 |
| Instrument Date | May 31, 2017 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 23, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $192.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Investor | Possibly a Property Investor |
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 | $332,500 (+8.01%) Land $95,500 Building $237,000 | $332,500 (-) Land $95,500 Building $237,000 | |
| 2025 | $9,528.00 (+155.92%) | $307,833 (+19.08%) | $332,500 (+28.63%) Land $95,500 Building $237,000 |
| 2023 | $3,723.00 | $258,500 Land $83,300 Building $175,200 | $258,500 Land $83,300 Building $175,200 |
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 (2011) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
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 | 0.02% 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 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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