2816 Ridge Rd, Waldorf, MD 20603 Property Records

Charles County property record for 2816 Ridge Rd, Waldorf, MD 20603 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,522 sqft · built 1985
Lot Size	0.472 acres (20,565 sqft)
Owner	2 Individual Names on File
Last Sale	$532,000 (Jul 2024)
Tax Bill	$14,202 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-122019`

Property Details

APN / Parcel Number

Primary APN	`06-122019`
Alternative APNs	`6122019` `122019`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,522 sqft Living Area
Gross Area	2,900 sqft
1st Floor Area	1,622 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,565 sqft (0.472 acres)
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Deck Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	122019
Street Address	2816 RIDGE RD
City	WALDORF
State	MD
Zip	20603-6146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32 SEC 2-B LAUREL BRANCH SUB
Legal Subdivision	LAUREL BRANCH SUB
Legal Block	1
Legal Lot Number	32
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1006
Census Tract	850713

Owner

Source: Charles County records · APN 06-122019

Assessment roll updated September 22, 2025 · Last verified August 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 File
Mailing Address	2816 RIDGE RD, WALDORF, MD 20603-6146
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2020	Deed, Transfer · VA Mortgage PRIMELENDING
Oct 11, 2018	Grant Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 24, 2024 · Amount on Record
Deed Sale	Jul 24, 2024 · Amount on Record
Prior Sale	Sep 23, 2020 · Amount on Record
Record Updated	Sep 20, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Sep 23, 2020
Property Address	2816 RIDGE RD, WALDORF, MD 20603-6146
Document Number	0113370324
Book / Page	11337 / 324
Map Reference	MB 30 FO 141
Instrument Date	Sep 01, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	BAY COUNTY SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
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	2816 RIDGE RD, WALDORF, MD 20603-6146

Mortgage

Document Number	11337332
Date	Sep 23, 2020
Instrument	11337/332

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Oct 11, 2018
Property Address	2816 RIDGE RD, WALDORF, MD 20603-6146
Document Number	0104220213
Book / Page	010422 / 000213
Instrument Date	Sep 28, 2018
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	CAPITOL TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$359.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2816 RIDGE RD WALDORF MD 206036146, WALDORF, MD 20603-6146

Mortgage

Document Number	104220218
Date	Oct 11, 2018
Book Page	010422/000218

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2048

Tax Assessment & Valuation

Source: Charles County records · Assessment roll updated September 22, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Charles County
Unified School District	Charles County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,202.00 (+158.08%)	$485,300 (+23.52%) Land $120,200 Building $365,100	$485,300 (-) Land $120,200 Building $365,100
2023	$5,503.00	$392,900	$485,300 Land $120,200 Building $365,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charles County (24017C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240178507131, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (2003–2020)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Aug 2020, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 127 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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