2140 Bell Tree Ln, Waldorf, MD 20601 Property Records

Charles County property record for 2140 Bell Tree Ln, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,282 sqft · built 1984
Lot Size	0.349 acres (15,198 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Aug 2022)
Tax Bill	$11,800 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-125522`

Property Details

APN / Parcel Number

Primary APN	`06-125522`
Alternative APNs	`6125522` `125522`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,282 sqft Living Area
1st Floor Area	1,332 sqft
Basement Area	950 sqft
Finished Basement	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,198 sqft (0.349 acres)
Deck Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	125522
Street Address	2140 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-7 B-G S-2 RESUB LTS 17-25 B-C S-1 MARBELLA SUB
Legal Subdivision	MARBELLA SUB
Legal Block	G
Legal Lot Number	7
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	4
Census Block	4004
Census Tract	850709

Owner

2140 Bell Tree Ln is owned and occupied by an individual who bought it in August 2022.

Source: Charles County records, as of September 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2140 BELL TREE LN, WALDORF, MD 20601-2737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed, Transfer · Conventional Mortgage MORTGAGE ONE SOLUTIONS INC
Dec 16, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MTG
Mar 3, 2020	Deed, Transfer · VA Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2022 · Amount on File
Deed Sale	Aug 23, 2022 · Amount on File
Prior Sale	Mar 3, 2020 · Amount on File
Deed Book / Page	12674 / 230
Prior Transfer Date	May 9, 2014
Prior Transfer Doc	0085570396
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Aug 23, 2022
Property Address	2140 BELL TREE LN, WALDORF, MD 20601-2737
Document Number	0126740230
Book / Page	12674 / 230
Map Reference	MB PCM 31 PL 33
Instrument Date	Nov 30, 2021
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	NOT AVAILABLE, ONE CHOICE T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,962.50
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	2140 BELL TREE LN, WALDORF, MD 20601-2737

Mortgage

Document Number	0012674240
Date	Aug 23, 2022
Instrument	12674/240

Lender

Name	MORTGAGE ONE SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	2140 BELL TREE LN, WALDORF, MD 20601-2737
Document Number	0115190489
Instrument Date	Dec 16, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2140 BELL TREE LN WALDORF MD 206012737, WALDORF, MD 20601-2737

Mortgage

Document Number	0115190489
Date	Jan 1, 2021
Book Page	011519/000489

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 31, 2050

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Mar 3, 2020
Property Address	2140 BELL TREE LN, WALDORF, MD 20601-2737
Document Number	0110300064
Book / Page	11030 / 64
Map Reference	MB PCM 31 PL 33
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	BAY COUNTY SETTLEMENTS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,212.50
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	2140 BELL TREE LN, WALDORF, MD 20601-2737

Mortgage

Document Number	0001103072
Date	Mar 3, 2020
Instrument	1103/072

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2140 Bell Tree Ln was $11,800.

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		$419,300 (+6.39%)	$444,500 (-) Land $126,400 Building $318,100
2025	$11,800.00	$394,100	$444,500 Land $126,400 Building $318,100
2023	$4,732.00	$334,733	$368,900 Land $126,400 Building $242,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2140 Bell Tree Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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

Wildfire risk around 2140 Bell Tree Ln 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.

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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