2445 Keystone Dr, Waldorf, MD 20601 Property Records

Charles County property record for 2445 Keystone Dr, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,475 sqft · built 1999
Lot Size	0.288 acres (12,525 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Apr 2015)
Tax Bill	$11,251 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Oct 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-272959`

Property Details

APN / Parcel Number

Primary APN	`06-272959`
Alternative APNs	`6272959` `272959`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,475 sqft Living Area
Gross Area	2,875 sqft
1st Floor Area	1,131 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,525 sqft (0.288 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	272959
Street Address	2445 KEYSTONE DR
City	WALDORF
State	MD
Zip	20601-3535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	LOT 28 = 0.2875 AC KEYSTONE ESTATES SUB
Legal Subdivision	KEYSTONE ESTATES SUB
Legal Block	1
Legal Lot Number	28
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1013
Census Tract	850802

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	2445 KEYSTONE DR, WALDORF, MD 20601-3535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2017	Deed of Trust, Mortgage · FHA Mortgage SUNWEST MORTGAGE
Oct 28, 2022	Intrafamily Transfer, Transfer
Apr 18, 2019	Quit Claim Deed, Transfer BRENNAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2015 · Amount on Record
Deed Sale	Apr 14, 2015 · Amount on Record
Prior Sale	Sep 24, 2014 · Amount on Record
Deed Book / Page	8888 / 367
Last Transfer Date	Oct 3, 2022
Transfer Doc	0127550001
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	2445 KEYSTONE DR, WALDORF, MD 20601-3535
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097120391
Date	Jan 30, 2017
Book Page	9712/391

Lender

Name	SUNWEST MORTGAGE
Type	Mortgage Company
Address	WASHINGTON, DC 20010

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLES MD
Recording Date	Oct 28, 2022
Property Address	2445 KEYSTONE DR, WALDORF, MD 20601-3535
Document Number	0127550001
Book / Page	12755 / 1
Map Reference	MB DGB 50 PL 66
Instrument Date	Oct 3, 2022
Transaction Type	Transfer
Record Updated	Nov 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2445 KEYSTONE DR, WALDORF, MD 20601-3535

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLES MD
Recording Date	Apr 18, 2019
Property Address	2445 KEYSTONE DR, WALDORF, MD 20601-3535
Document Number	0106050169
Book / Page	010605 / 000169
Instrument Date	Apr 3, 2019
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	BRENNAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2445 KEYSTONE DR WALDORF MD 206013535, WALDORF, MD 20601-3535

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		$403,667 (+8.15%)	$434,100 (-) Land $125,100 Building $309,000
2025	$11,251.00 (+142.69%)	$373,233 (+13.99%)	$434,100 (+26.63%) Land $125,100 Building $309,000
2023	$4,636.00	$327,433	$342,800 Land $125,100 Building $217,700

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	3 in force
Nearby Flood Claims	2 (1999–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2018 · other causes

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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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