Charles County property record for 2166 Cedar Tree Ln, Waldorf, MD 20601
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,568 sqft · built 1996 |
| Lot Size | 0.279 acres (12,150 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Sep 2020) |
| Tax Bill | $12,169 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-060096 |
| Primary APN | 08-060096 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,568 sqft Living Area |
| Gross Area | 2,968 sqft |
| 1st Floor Area | 884 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,150 sqft (0.279 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 060096 |
|---|---|
| Street Address | 2166 CEDAR TREE LN |
| City | WALDORF |
| State | MD |
| Zip | 20601-3611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | LOT 43 PLAT FOUR CEDAR TREE SUB |
| Legal Subdivision | CEDAR TREE SUB |
| Legal Block | 4 |
| Legal Lot Number | 43 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 8, BRYANTOWN |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 850801 |
2166 Cedar Tree Ln is owned and occupied by two individuals who bought it in September 2020.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2166 CEDAR TREE LN, WALDORF, MD 20601-3611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 3, 2024 | Deed of Trust, Mortgage · Line of Credit MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
| Sep 16, 2020 | Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2020 · Amount on File |
| Deed Sale | Sep 16, 2020 · Amount on File |
| Prior Sale | Feb 26, 1996 · Amount on File |
| Deed Book / Page | 11324 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 2166 CEDAR TREE LN, WALDORF, MD 20601-3611 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 2166 CEDAR TREE LN, WALDORF, MD 20601-3611 |
| Document Number | 0138100437 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | 13810/437 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 2166 CEDAR TREE LN, WALDORF, MD 20601-3611 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0132480188 |
|---|---|
| Date | Apr 3, 2024 |
| Book Page | 13248/188 |
| Name | MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
|---|---|
| Type | Government Agency |
| Address | LANHAM, MD 20706 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Sep 16, 2020 |
| Property Address | 2166 CEDAR TREE LN, WALDORF, MD 20601-3611 |
| Document Number | 0113240001 |
| Book / Page | 11324 / 1 |
| Map Reference | MB DBG 46 FO 166 |
| Instrument Date | Sep 9, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | BUYERS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2166 CEDAR TREE LN, WALDORF, MD 20601-3611 |
| Document Number | 113246 |
|---|---|
| Date | Sep 16, 2020 |
| Instrument | 11324/6 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 2166 Cedar Tree Ln was $12,169.
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 | $440,900 Land $96,500 Building $344,400 | $440,900 Land $96,500 Building $344,400 | |
| 2025 | $12,169.00 | ||
| 2023 | $4,835.00 | $342,500 Land $84,300 Building $258,200 | $342,500 Land $84,300 Building $258,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2166 Cedar Tree Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
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.
Wildfire risk around 2166 Cedar Tree Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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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