Charles County property record for 2189 Cedar Tree Ln, Waldorf, MD 20601
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,084 sqft · built 1996 |
| Lot Size | 0.305 acres (13,301 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $217,796 (Aug 1996) |
| Tax Bill | $13,254 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-059977 |
| Primary APN | 08-059977 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,084 sqft Living Area |
| Gross Area | 3,484 sqft |
| 1st Floor Area | 1,432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,301 sqft (0.305 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 144 sqft |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 059977 |
|---|---|
| Street Address | 2189 CEDAR TREE LN |
| City | WALDORF |
| State | MD |
| Zip | 20601-3608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | LOT 32 PLAT FIVE CEDAR TREE SUB |
| Legal Subdivision | CEDAR TREE SUB |
| Legal Block | 4 |
| Legal Lot Number | 32 |
| 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 | 2189 CEDAR TREE LN, WALDORF, MD 20601-3608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 1996 · Amount on Record |
| Deed Sale | Aug 20, 1996 · Amount on Record |
| Deed Document Number | 199620596 |
| Deed Book / Page | 2267 / 590 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 2189 CEDAR TREE LN, WALDORF, MD 20601-3608 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | MADISON SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 2189 CEDAR TREE LN, WALDORF, MD 20601-3608 |
| Document Number | 0118120143 |
|---|---|
| Date | May 11, 2021 |
| Book Page | 11812/143 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jan 1, 2051 |
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 | $508,800 (+30.19%) Land $97,100 Building $411,700 | $508,800 (+30.19%) Land $97,100 Building $411,700 | |
| 2025 | $13,254.00 (+142.08%) | ||
| 2023 | $5,475.00 Homeowner's exemption | $390,800 Land $84,900 Building $305,900 | $390,800 Land $84,900 Building $305,900 |
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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 396 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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