Charles County property record for 301 Prospect St, La Plata, MD 20646
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,836 sqft · built 1930 |
| Lot Size | 0.429 acres (18,688 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $9,499 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-004727 |
| Primary APN | 01-004727 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,836 sqft Living Area |
| 1st Floor Area | 1,180 sqft |
| Basement Area | 552 sqft |
| Finished Basement | 552 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 18,688 sqft (0.429 acres) |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Sewer | Municipal |
| Account Number | 004727 |
|---|---|
| Street Address | 301 PROSPECT ST |
| City | LA PLATA |
| State | MD |
| Zip | 20646-9683 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Description | P/O LOT 1 WASH AVE & PROSPECT ST LA PLATA |
| Legal Subdivision | LA PLATA |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 1, LA PLATA |
| Census Block Group | 3 |
| Census Block | 3058 |
| Census Tract | 851004 |
Source: Charles County records, as of September 16, 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 Record |
|---|---|
| Mailing Address | 301 PROSPECT ST, LA PLATA, MD 20646-9683 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 301 PROSPECT ST, LA PLATA, MD 20646-9683 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 301 PROSPECT ST, LA PLATA, MD 20646-9683 |
| Document Number | 0127930404 |
|---|---|
| Date | Dec 9, 2022 |
| Book Page | 12793/404 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Dec 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $328,000 (+23.54%) Land $104,500 Building $223,500 | $328,000 (+23.54%) Land $104,500 Building $223,500 | |
| 2025 | $9,499.00 (+136.35%) | ||
| 2023 | $4,019.00 Homeowner's exemption | $265,500 Land $100,500 Building $165,000 | $265,500 Land $100,500 Building $165,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 298 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 |
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