3102 S Declaration Ct, Waldorf, MD 20603 Property Records

Charles County property record for 3102 S Declaration Ct, Waldorf, MD 20603

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,256 sqft · built 1994
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Dec 2022)
Tax Bill	$13,097 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Apr 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-209556`

Property Details

APN / Parcel Number

Primary APN	`06-209556`
Alternative APNs	`6209556` `209556`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,256 sqft Living Area
Gross Area	3,740 sqft
1st Floor Area	1,756 sqft
Basement Area	1,500 sqft
Finished Basement	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	209556
Street Address	3102 S DECLARATION CT
City	WALDORF
State	MD
Zip	20603-3947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	LOT 25 SEC 1 CONSTITUTION HILLS SUB
Legal Subdivision	CONSTITUTION HILLS SUB
Legal Block	2
Legal Lot Number	25
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	2
Census Block	2006
Census Tract	850706

Owner

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	3102 S DECLARATION CT, WALDORF, MD 20603-3947
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Deed, Transfer · Conventional Mortgage NAVY FCU
Apr 13, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2022 · Amount on Record
Deed Sale	Dec 6, 2022 · Amount on Record
Prior Sale	May 22, 2013 · Amount on Record
Deed Book / Page	12791 / 2
Last Transfer Date	May 12, 2025
Record Updated	Oct 29, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Dec 6, 2022
Property Address	3102 S DECLARATION CT, WALDORF, MD 20603-3947
Document Number	0127910002
Book / Page	12791 / 2
Map Reference	MB 42 FO 221
Instrument Date	Nov 22, 2022
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	MILESTONE TITLE INC, MILESTONE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 S DECLARATION CT, WALDORF, MD 20603-3947

Mortgage

Document Number	0000127919
Date	Dec 6, 2022
Instrument	12791/9

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLES MD
Recording Date	Apr 13, 2022
Property Address	3102 S DECLARATION CT, WALDORF, MD 20603-3947
Document Number	0125030298
Book / Page	12503 / 298
Map Reference	MB 42 FO 221
Instrument Date	Mar 29, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	3102 S DECLARATION CT, WALDORF, MD 20603-3947

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Charles County
Unified School District	Charles County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$469,867 (+5.99%)	$496,400 (-) Land $126,300 Building $370,100
2025	$13,097.00 (+139.7%)	$443,333 (+13.69%)	$496,400 (+19.1%) Land $126,300 Building $370,100
2023	$5,464.00	$389,933	$416,800 Land $126,300 Building $290,500

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 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 Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WALDORF - CHARLES COUNTY DPW serves 84,296 people · EPA ID MD0080049
Water Source	Purchased surface water from WASHINGTON SUBURBAN SANITARY COMMISSION
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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

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

May also be available: T-Mobile.

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