2405 Toma Ct, Bryans Road, MD 20616 Property Records

Charles County property record for 2405 Toma Ct, Bryans Road, MD 20616

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,280 sqft · built 1999
Lot Size	0.238 acres (10,362 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Feb 2022)
Tax Bill	$10,544 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Feb 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-065426`

Property Details

APN / Parcel Number

Primary APN	`07-065426`
Alternative APNs	`7065426` `065426`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,280 sqft Living Area
Gross Area	2,680 sqft
1st Floor Area	840 sqft
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,362 sqft (0.238 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	065426
Street Address	2405 TOMA CT
City	BRYANS ROAD
State	MD
Zip	20616-6059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	LT-14 PL-1 S-4 SOUTH HAMPTON SUB
Legal Subdivision	SOUTH HAMPTON SUB
Legal Block	1
Legal Lot Number	14
Jurisdiction	CHARLES MD
Township / Civil Division	7, POMONKEY
Census Block Group	1
Census Block	1001
Census Tract	850101

Owner

2405 Toma Ct is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2405 TOMA CT, BRYANS ROAD, MD 20616-6059
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 28, 2022	Re-recorded Document ACCOMODATION, ACCOMMODATION
Jan 28, 2022	Deed, Transfer · FHA Mortgage OCMBC INC
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2022 · Amount on File
Deed Sale	Feb 28, 2022 · Amount on File
Prior Sale	Jan 28, 2022 · Amount on File
Deed Book / Page	12416 / 337
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	2405 TOMA CT, BRYANS ROAD, MD 20616-6059
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 TOMA CT, BRYANS ROAD, MD 20616-6059

Mortgage

Document Number	0129600249
Date	Jun 9, 2023
Book Page	12960/249

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Dec 1, 2051

February 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	CHARLES MD
Recording Date	Feb 28, 2022
Property Address	2405 TOMA CT, BRYANS ROAD, MD 20616-6059
Document Number	0124160337
Book / Page	12416 / 337
Map Reference	MB DGB 46 PL 310
Instrument Date	Nov 5, 2021
Record Updated	Aug 16, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2405 TOMA CT, BRYANS ROAD, MD 20616-6059

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Jan 28, 2022
Property Address	2405 TOMA CT, BRYANS ROAD, MD 20616-6059
Document Number	0123640102
Book / Page	12364 / 102
Map Reference	MB DGB 46 PL 310
Instrument Date	Nov 5, 2021
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
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	2405 TOMA CT, BRYANS ROAD, MD 20616-6059

Mortgage

Document Number	0012364111
Date	Jan 28, 2022
Instrument	12364/111

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

Mortgage

Document Number	0123640129
Date	Jan 28, 2022
Book Page	12364/129

Lender

Name	OCMBC INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	2405 TOMA CT, BRYANS ROAD, MD 20616-6059
Document Number	0109400002
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2405 TOMA CT BRYANS ROAD MD 206166059, BRYANS ROAD, MD 20616-6059

Mortgage

Document Number	0109400002
Date	Jan 6, 2020
Book Page	010940/000002

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 5, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 2405 Toma Ct was $10,544 with a homeowner's exemption.

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		$418,967 (+4.32%)	$453,700 (+12.97%) Land $124,900 Building $328,800
2025	$10,544.00 Homeowner's exemption	$401,600 Land $72,100 Building $329,500	$401,600 Land $72,100 Building $329,500
2023	$4,286.00 (+21.87%) Homeowner's exemption	$321,000 (+14.36%)	$401,600 (+43.07%) Land $72,100 Building $329,500
2022	$3,517.00	$280,700 Land $70,100 Building $210,600	$280,700 Land $70,100 Building $210,600

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

Flood

FEMA maps place 2405 Toma Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.

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	8 in force
Nearby Flood Claims	2 (1983–2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2008 · 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 2405 Toma Ct 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	Direct burnable vegetation

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	BRYANS ROAD serves 6,260 people · EPA ID MD0080033
Water Source	Groundwater
Last State Inspection	Apr 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	1 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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