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3005 N Declaration Ct, Waldorf, MD 20603 Property Records

Charles County property record for 3005 N Declaration Ct, Waldorf, MD 20603

Property Summary

Property TypeExempt (Full or Partial)
Details2 ba · 2,329 sqft · built 1992
Lot Size0.627 acres (27,313 sqft)
Owner2 Individual Names on Record
Last Sale$323,000 (Aug 2016)
Tax Bill$772 (2025)
Deeds & MortgagesSep 2026 Line of Credit
Feb 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN06-209467

Property Details

APN / Parcel Number

Primary APN06-209467
Alternative APNs
  • 6209467
  • 209467

Interior

Full Baths2 Baths
Stories1 Story
Building Area2,329 sqft Gross Area
1st Floor Area1,841 sqft
Basement Area1,450 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area27,313 sqft (0.627 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
Deck Area450 sqft
Patio Area48 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number209467
Street Address3005 N DECLARATION CT
CityWALDORF
StateMD
Zip20603-3946
Property CategoryOther
Property TypeOther > Exempt (Full or Partial)
Local Zoning CodeRM
Legal DescriptionLOT 17 SEC 1 CONSTITUTION HILLS SUB
Legal SubdivisionCONSTITUTION HILLS SUB
Legal Block2
Legal Lot Number17
JurisdictionCHARLES MD
Township / Civil Division6, WALDORF
Census Block Group2
Census Block2000
Census Tract850706

Owner

Source: Charles County records, as of September 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3005 N DECLARATION CT, WALDORF, MD 20603-3946
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2026Deed of Trust, Mortgage · Line of Credit
ANDREWS FEDERAL CREDIT UNION
Feb 1, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 2, 2016 · Amount on Record
Deed SaleAug 2, 2016 · Amount on Record
Prior SaleAug 11, 1992 · Amount on Record
Deed Book / Page9451 / 310
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLES MD
Recording DateSep 11, 2026
Property Address3005 N DECLARATION CT, WALDORF, MD 20603-3946
Document Number1420000340
Book / Page14209 / 340
Instrument DateSep 1, 2026
Transaction TypeMortgage
Record UpdatedSep 30, 2026
Title CompanyMORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SERVICE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety, 298
Address3005 N DECLARATION CT, WALDORF, MD 20603-3946

Mortgage

Document Number1420000340,
DateSep 11, 2026
Book Page14209/340
Lender
NameANDREWS FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueSep 25, 2046
Interest
Rate TypeAdjustable Rate
Rate7%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLES MD
Property Address3005 N DECLARATION CT, WALDORF, MD 20603-3946
Transaction TypeMortgage
Record UpdatedMar 19, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0115830491
DateFeb 1, 2021
Book Page11583/491
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2051

Tax Assessment & Valuation

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCharles County
Unified School DistrictCharles County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$415,600 (+12.73%)$426,700 (+8.46%) Land $126,900 Building $299,800
2025$772.00 (-84.99%)
2023$5,143.00 Homeowner's exemption$368,667$393,400 Land $126,900 Building $266,500

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies8 in force
Nearby Flood Claims1 (2006)
Claims Outside the SFHA1 of 1
Most Recent ClaimNov 2006 · river or lake flooding

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 RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemWALDORF - CHARLES COUNTY DPW
serves 84,296 people · EPA ID MD0080049
Water SourcePurchased surface water from WASHINGTON SUBURBAN SANITARY COMMISSION
Last State InspectionJul 2025
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 338 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber		2,300 / 2,300
Xfinity
Cable		2,000 / 250

May also be available: T-Mobile.

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