2136 Bell Tree Ln, Waldorf, MD 20601 Property Records

Charles County property record for 2136 Bell Tree Ln, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,656 sqft · built 1984
Lot Size	0.608 acres (26,497 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,400 (Jan 1985)
Tax Bill	$9,259 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-125514`

Property Details

APN / Parcel Number

Primary APN	`06-125514`
Alternative APNs	`6125514` `125514`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,656 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	552 sqft
Finished Basement	552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	26,497 sqft (0.608 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	125514
Street Address	2136 BELL TREE LN
City	WALDORF
State	MD
Zip	20601-2737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	L-6 B-G S-2 RESUB LTS 17-25 B-C S-1 MARBELLA SUB
Legal Subdivision	MARBELLA SUB
Legal Block	G
Legal Lot Number	6
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	4
Census Block	4004
Census Tract	850709

Owner

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	2136 BELL TREE LN, WALDORF, MD 20601-2737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jan 25, 2019	Deed of Trust, Mortgage · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 1985 · Amount on Record
Deed Sale	Jan 8, 1985 · Amount on Record
Prior Sale	Aug 10, 1984 · Amount on Record
Deed Book / Page	1045 / 115
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	2136 BELL TREE LN, WALDORF, MD 20601-2737
Transaction Type	Mortgage
Record Updated	Dec 14, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2136 BELL TREE LN, WALDORF, MD 20601-2737

Mortgage

Document Number	0127880130
Date	Dec 2, 2022
Book Page	12788/130

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Nov 1, 2032

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	2136 BELL TREE LN, WALDORF, MD 20601-2737
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2136 BELL TREE LN, WALDORF, MD 20601-2737

Mortgage

Document Number	0116520199
Date	Mar 2, 2021
Book Page	11652/199

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	2136 BELL TREE LN, WALDORF, MD 20601-2737
Document Number	0105330035
Instrument Date	Jan 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 20, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5550 HERITAGE OAKS DR PENSACOLA FL 325267859, PENSACOLA, FL 32526-7859

Mortgage

Document Number	0105330035
Date	Feb 7, 2019
Book Page	010533/000035

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Feb 6, 2034

Tax Assessment & Valuation

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Charles County
Unified School District	Charles County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$308,900 (+13%)	$315,000 (+6.17%) Land $127,000 Building $188,000
2025	$9,259.00 (+146.78%)
2023	$3,752.00 Homeowner's exemption	$273,367	$296,700 Land $127,000 Building $169,700

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 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	4 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2019 · rainfall accumulation

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	0.01% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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