Charles County property record for 3 Derby Dr, La Plata, MD 20646
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,252 sqft · built 2009 |
| Lot Size | 0.032 acres (1,408 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (May 2021) |
| Tax Bill | $8,635 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-081705 |
| Primary APN | 01-081705 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,252 sqft Living Area |
| Gross Area | 1,692 sqft |
| 1st Floor Area | 416 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,408 sqft (0.032 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 142 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 081705 |
|---|---|
| Street Address | 3 DERBY DR |
| City | LA PLATA |
| State | MD |
| Zip | 20646-4346 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | MUD-2 |
| Legal Description | LOT 98 PLT 9 PH 1 TOWN OF LA PLATA THE VIL OF STEEPLECHASE |
| Legal Subdivision | THE VIL OF STEEPLECHASE |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 98 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 1, LA PLATA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 851001 |
3 Derby Dr, a townhouse, is owned and occupied by an individual who bought it in May 2021.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 DERBY DR, LA PLATA, MD 20646-4346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 19, 2021 | Deed of Trust, Mortgage · Line of Credit MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
| May 19, 2021 | Deed, Transfer · USDA Mortgage WESBANCO BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2021 · Amount on File |
| Deed Sale | May 19, 2021 · Amount on File |
| Prior Sale | Oct 9, 2009 · Amount on File |
| Deed Book / Page | 11827 / 195 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3 DERBY DR, LA PLATA, MD 20646-4346 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0118270223 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 11827/223 |
| Name | MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
|---|---|
| Type | Government Agency |
| Address | LANHAM, MD 20706 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 19, 2021 |
| Property Address | 3 DERBY DR, LA PLATA, MD 20646-4346 |
| Document Number | 0118270195 |
| Book / Page | 11827 / 195 |
| Map Reference | MB 57 FO 413 |
| Instrument Date | Apr 12, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2021 |
| Title Company | PRIDE SETMNT & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Document Number | 11827201 |
|---|---|
| Date | May 19, 2021 |
| Instrument | 11827/201 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 3 Derby Dr was $8,635.
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Municipality | La Plata Town |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $291,400 Land $85,000 Building $206,400 | $291,400 Land $85,000 Building $206,400 | |
| 2025 | $8,635.00 | ||
| 2023 | $3,721.00 | $245,700 Land $85,000 Building $160,700 | $245,700 Land $85,000 Building $160,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Derby Dr in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
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 3 Derby Dr 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 | 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 | TOWN OF LA PLATA serves 11,535 people · EPA ID MD0080025 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| 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 | None 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 353 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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