Charles County property record for 2987 Thomas Rd, Bryans Road, MD 20616
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,248 sqft · built 1958 |
| Lot Size | 0.234 acres (10,199 sqft) |
| Owner | Individual Name on File |
| Last Sale | $221,500 (Mar 2021) |
| Tax Bill | $7,118 (2025) |
| Deeds & Mortgages | Mar 2021 Second Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-009836 |
| Primary APN | 07-009836 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,199 sqft (0.234 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 009836 |
|---|---|
| Street Address | 2987 THOMAS RD |
| City | BRYANS ROAD |
| State | MD |
| Zip | 20616-3310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WCD |
| Legal Description | L 73 B 3 S 2 INDIAN HD MANOR SUB |
| Legal Subdivision | INDIAN HD MANOR SUB |
| Legal Block | 3 |
| Legal Lot Number | 73 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 7, POMONKEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 850102 |
2987 Thomas Rd is owned and occupied by an individual who bought it in March 2021.
Source: Charles County records, as of September 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2987 THOMAS RD, BRYANS ROAD, MD 20616-3310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Mar 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage OAK VIEW NATIONAL BANK |
| Mar 16, 2021 | Deed, Transfer · FHA Mortgage FIDELITY DIRECT MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 16, 2021 · Amount on File |
| Deed Sale | Mar 16, 2021 · Amount on File |
| Prior Sale | Nov 3, 2000 · Amount on File |
| Deed Book / Page | 11687 / 474 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 2987 THOMAS RD, BRYANS ROAD, MD 20616-3310 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | CAPITOL SETTLEMENTS LLC |
| Name | Verified Name |
|---|---|
| Address | 2987 THOMAS RD, BRYANS ROAD, MD 20616-3310 |
| Document Number | 0116870498 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 11687/498 |
| Name | OAK VIEW NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | CULPEPER, VA 22701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Mar 16, 2021 |
| Property Address | 2987 THOMAS RD, BRYANS ROAD, MD 20616-3310 |
| Document Number | 0116870474 |
| Book / Page | 11687 / 474 |
| Map Reference | LB PCM 6 FO 107 |
| Instrument Date | Mar 4, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | CAPITOL SETTLEMENTS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,661.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2987 THOMAS RD, BRYANS ROAD, MD 20616-3310 |
| Document Number | 11687481 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 11687/481 |
| Name | FIDELITY DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 2987 Thomas Rd was $7,118 with a homeowner's exemption.
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 | $240,600 | $278,400 Land $70,100 Building $208,300 | |
| 2025 | $7,118.00 | ||
| 2023 | $2,799.00 Homeowner's exemption | $191,367 | $221,700 Land $70,100 Building $151,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2987 Thomas Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.
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 | 2 in force |
| Nearby Flood Claims | 2 (2012–2013) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2013 · 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 risk around 2987 Thomas Rd is low, with a 0.02% 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 | 0.02% 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 | POMUNK WATER COMPANY DISTRIBUTION SYSTEM private · serves 340 people · EPA ID MD0080084 |
|---|---|
| Water Source | Purchased groundwater from BRYANS ROAD |
| Last State Inspection | Sep 2025 |
| 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.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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