Charles County property record for 317 Garner Ave, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,960 sqft · built 1969 |
| Lot Size | 0.21 acres (9,153 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $352,000 (Aug 2021) |
| Tax Bill | $10,644 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-017622 |
| Primary APN | 06-017622 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,960 sqft Living Area |
| Gross Area | 2,040 sqft |
| 1st Floor Area | 1,480 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,153 sqft (0.21 acres) |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 017622 |
|---|---|
| Street Address | 317 GARNER AVE |
| City | WALDORF |
| State | MD |
| Zip | 20602-2939 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | L-9 B-22 S-3-A CARRINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 22 |
| Legal Lot Number | 9 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 850902 |
317 Garner Ave is owned and occupied by two individuals who bought it in August 2021.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 317 GARNER AVE, WALDORF, MD 20602-2939 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 12, 2021 | Deed, Transfer · Conventional Mortgage PNC BANK NA |
| May 3, 2019 | Deed of Trust, Mortgage · Conventional with PMI NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2021 · Amount on File |
| Deed Sale | Aug 12, 2021 · Amount on File |
| Prior Sale | Sep 3, 2015 · Amount on File |
| Deed Book / Page | 12005 / 470 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Aug 12, 2021 |
| Property Address | 317 GARNER AVE, WALDORF, MD 20602-2939 |
| Document Number | 0120050470 |
| Book / Page | 12005 / 470 |
| Map Reference | MB 11 PL 18 |
| Instrument Date | Jul 16, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2021 |
| Title Company | NOT AVAILABLE, PRG TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 317 GARNER AVE, WALDORF, MD 20602-2939 |
| Document Number | 12005477 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 12005/477 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 317 GARNER AVE, WALDORF, MD 20602-2939 |
| Document Number | 0106400294 |
| Instrument Date | May 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2019 |
| Title Company | CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS |
| Name | Verified Name |
|---|---|
| Address | 317 GARNER AVE WALDORF MD 206022939, WALDORF, MD 20602-2939 |
| Document Number | 0106400294 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 010640/000294 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 20, 2049 |
The 2025 property tax bill for 317 Garner Ave was $10,644 with a homeowner's exemption.
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $372,333 | $386,500 Land $120,000 Building $266,500 | |
| 2025 | $10,644.00 | ||
| 2023 | $4,351.00 Homeowner's exemption | $314,633 | $344,000 Land $120,000 Building $224,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 317 Garner Ave 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 |
| Nearby Flood Policies | 2 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.
The area around 317 Garner Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 496 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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