Charles County property record for 2109 Cedar Tree Ln, Waldorf, MD 20601
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,552 sqft · built 2023 |
| Lot Size | 0.276 acres (12,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $549,999 (Aug 2026) |
| Tax Bill | $21,749 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Aug 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-059691 |
| Primary APN | 08-059691 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,552 sqft Living Area |
| Gross Area | 2,952 sqft |
| 1st Floor Area | 1,076 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,000 sqft (0.276 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 059691 |
|---|---|
| Street Address | 2109 CEDAR TREE LN |
| City | WALDORF |
| State | MD |
| Zip | 20601-3659 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | LOT 10 PLAT TWO CEDAR TREE SUB |
| Legal Subdivision | CEDAR TREE SUB |
| Legal Block | 4 |
| Legal Lot Number | 10 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2109 CEDAR TREE LN, WALDORF, MD 20601-3659 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 5, 2026 | Deed, Transfer · FHA Mortgage PINNACLE BANK |
| Aug 5, 2026 | Deed, Transfer BRENNAN TITLE |
| Mar 8, 2023 | Special Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Mar 10, 2022 | Special Warranty Deed, Subdivision Related Transfer CAPITOL TITLE GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2026 · Amount on Record |
| Deed Sale | Aug 5, 2026 · Amount on Record |
| Prior Sale | Aug 5, 2026 · Amount on Record |
| Deed Book / Page | 14167 / 229 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Aug 5, 2026 |
| Property Address | 2109 CEDAR TREE LN, WALDORF, MD 20601-3659 |
| Document Number | 1416000229 |
| Book / Page | 14167 / 229 |
| Instrument Date | Aug 3, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2026 |
| Title Company | BRENNAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555,498.99 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2109 CEDAR TREE LN, WALDORF, MD 20601-3659 |
| Document Number | 1416000237, |
|---|---|
| Date | Aug 5, 2026 |
| Book Page | 14167/237 |
| Name | PINNACLE BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Aug 5, 2026 |
| Property Address | 2109 CEDAR TREE LN, WALDORF, MD 20601-3659 |
| Document Number | 1416000223 |
| Book / Page | 14167 / 223 |
| Instrument Date | Apr 20, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2026 |
| Title Company | BRENNAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $555,498.99 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Mar 8, 2023 |
| Property Address | 2109 CEDAR TREE LN, WALDORF, MD 20601-3659 |
| Document Number | 0128720132 |
| Book / Page | 12872 / 132 |
| Map Reference | MB 46 PL 163 |
| Instrument Date | Feb 28, 2023 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Title Company | CAPITOL TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2109 CEDAR TREE LN, WALDORF, MD 20601-3659 |
| Document Number | 0012872139 |
|---|---|
| Date | Mar 8, 2023 |
| Instrument | 12872/139 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Mar 10, 2022 |
| Property Address | 2109 CEDAR TREE LN, WALDORF, MD 20601-3659 |
| Document Number | 0124410399 |
| Book / Page | 12441 / 399 |
| Map Reference | MB 46 PL 163 |
| Instrument Date | Mar 2, 2022 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 13, 2023 |
| Title Company | CAPITOL TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Tax | $950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5304 DORSEY HALL DRIVE, WALDORF, MD 20601 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 313 BUCKNELL CIR, WALDORF, MD 20602-1981 |
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 | $499,800 (+9.91%) Land $96,500 Building $403,300 | $499,800 (-) Land $96,500 Building $403,300 | |
| 2025 | $21,749.00 (+192.01%) Homeowner's exemption | $454,733 (+24.72%) | $499,800 (+37.08%) Land $96,500 Building $403,300 |
| 2023 | $7,448.00 | $364,600 Land $84,300 Building $280,300 | $364,600 Land $84,300 Building $280,300 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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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