320 Garner Ave, Waldorf, MD 20602 Property Records

Charles County property record for 320 Garner Ave, Waldorf, MD 20602

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,000 sqft · built 1970
Lot Size	0.323 acres (14,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Jun 2024)
Tax Bill	$9,998 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000649`

Property Details

APN / Parcel Number

Primary APN	`06-000649`
Alternative APNs	`6000649` `000649`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,000 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	1,520 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,080 sqft (0.323 acres)
Garage Area	250 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	000649
Street Address	320 GARNER AVE
City	WALDORF
State	MD
Zip	20602-2942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RH
Legal Description	L 4 B 39 S 3-A CARRINGTON NEIGHBORHOOD ST CHARLES SUB
Legal Subdivision	ST CHARLES SUB
Legal Block	39
Legal Lot Number	4
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	3
Census Block	3008
Census Tract	850902

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	320 GARNER AVE, WALDORF, MD 20602-2942
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2024 · Amount on Record
Deed Sale	Jun 24, 2024 · Amount on Record
Prior Sale	Mar 26, 2004
Deed Book / Page	13326 / 343
Transfer Doc	0046500552
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	320 GARNER AVE, WALDORF, MD 20602-2942
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0121890048
Date	Nov 3, 2021
Book Page	12189/48

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2041

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		$360,800 (+10.78%)	$395,900 (-) Land $125,200 Building $270,700
2025	$9,998.00 (+159.82%)	$325,700 (+21.56%)	$395,900 (+36.24%) Land $125,200 Building $270,700
2023	$3,848.00	$267,933	$290,600 Land $125,200 Building $165,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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.

Wildfire

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.

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 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