Charles County property record for 3 Oak St, Indian Head, MD 20640
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 3,400 sqft · built 1962 |
| Lot Size | 0.217 acres (9,450 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Apr 2021) |
| Tax Bill | $13,586 (2025) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-005415 |
| Primary APN | 07-005415 |
|---|---|
| Alternative APNs |
|
| Units | 8 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,400 sqft Living Area |
| 1st Floor Area | 3,400 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Multi-Family |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,450 sqft (0.217 acres) |
| View / Lot | Commercial/Industrial |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 005415 |
|---|---|
| Street Address | 3 OAK ST |
| City | INDIAN HEAD |
| State | MD |
| Zip | 20640-1504 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | RM |
| Legal Description | LOT 8-A = .216 AC POTOMAC WOODS II IND HD |
| Legal Subdivision | POTOMAC WOODS II |
| Legal Block | 1 |
| Legal Lot Number | 8A |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 7, POMONKEY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 850202 |
3 Oak St, a residential property, is owned and occupied by two individuals who bought it in April 2021.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 OAK ST, INDIAN HEAD, MD 20640-1504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Apr 1, 2021 | Deed, Transfer · Conventional Mortgage FIRST COMMONWEALTH MORTGAGE CORP |
| Jun 26, 2017 | Intrafamily Transfer, Transfer · Commercial Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2021 · Amount on File |
| Deed Sale | Apr 1, 2021 · Amount on File |
| Prior Sale | Jan 16, 1985 · Amount on File |
| Deed Book / Page | 11725 / 310 |
| Prior Transfer Date | May 28, 2017 |
| Prior Transfer Doc | 0098850434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Apr 1, 2021 |
| Property Address | 3 OAK ST, INDIAN HEAD, MD 20640-1504 |
| Document Number | 0117250310 |
| Book / Page | 11725 / 310 |
| Map Reference | MB 8 PL 31 |
| Instrument Date | Feb 10, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2021 |
| Title Company | METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 OAK ST, INDIAN HEAD, MD 20640-1504 |
| Document Number | 11725317 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 11725/317 |
| Name | FIRST COMMONWEALTH MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jun 26, 2017 |
| Property Address | 3 OAK ST, INDIAN HEAD, MD 20640-1504 |
| Document Number | 0098850434 |
| Book / Page | 9885 / 434 |
| Map Reference | MB8 PL31 |
| Instrument Date | May 28, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ADVANTAGE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 731 FARMINGTON RD W, ACCOKEEK, MD 20607-9729 |
| Document Number | 0009885442 |
|---|---|
| Date | Jun 26, 2017 |
| Instrument | 9885/442 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 3 Oak St was $13,586.
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Municipality | Indian Head Town |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $418,967 (+1.64%) | $432,500 (+4.92%) Land $85,500 Building $347,000 | |
| 2025 | $13,586.00 | $412,200 Land $85,500 Building $326,700 | $412,200 Land $85,500 Building $326,700 |
| 2023 | $5,930.00 | $371,933 | $412,200 Land $85,500 Building $326,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Oak St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
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 (2011–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2018 |
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 Oak St is low, with less than 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 99.8% of the US · lower than 99.8% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 INDIAN HEAD serves 4,100 people · EPA ID MD0080020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| 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 371 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures