Charles County property record for 3255 Elsa Ave, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,476 sqft · built 1999 |
| Lot Size | 0.333 acres (14,522 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $530,000 (Jan 2024) |
| Tax Bill | $13,649 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-243312 |
| Primary APN | 06-243312 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,476 sqft Living Area |
| Gross Area | 3,896 sqft |
| 1st Floor Area | 1,118 sqft |
| Basement Area | 950 sqft |
| Finished Basement | 950 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 14,522 sqft (0.333 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 243312 |
|---|---|
| Street Address | 3255 ELSA AVE |
| City | WALDORF |
| State | MD |
| Zip | 20603-4010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WCD |
| Legal Description | LOT 52 SEC 1 PLT 3A SETTLE WOODS SUB |
| Legal Subdivision | SETTLE WOODS SUB |
| Legal Block | 2 |
| Legal Lot Number | 52 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 850712 |
3255 Elsa Ave is owned and occupied by two individuals who bought it in January 2024.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3255 ELSA AVE, WALDORF, MD 20603-4010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Jan 26, 2024 | Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP |
| Nov 30, 2017 | Deed of Trust, Transfer · Conventional with PMI MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2024 · Amount on File |
| Deed Sale | Jan 26, 2024 · Amount on File |
| Prior Sale | Jul 11, 2000 · Amount on File |
| Deed Book / Page | 13182 / 372 |
| Prior Transfer Date | Nov 30, 2017 |
| Prior Transfer Doc | 0101110490 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jan 26, 2024 |
| Property Address | 3255 ELSA AVE, WALDORF, MD 20603-4010 |
| Document Number | 0131820372 |
| Book / Page | 13182 / 372 |
| Map Reference | MB 47 FO 210 |
| Instrument Date | Jul 26, 2023 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3255 ELSA AVE, WALDORF, MD 20603-4010 |
| Document Number | 0013182380 |
|---|---|
| Date | Jan 26, 2024 |
| Instrument | 13182/380 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3255 ELSA AVE, WALDORF, MD 20603-4010 |
| Document Number | 0101110490 |
| Book / Page | 010111 / 000490 |
| Instrument Date | Nov 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | TITLE 365 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 3255 ELSA AVE WALDORF MD 206034010, WALDORF, MD 20603-4010 |
| Document Number | 0101110490 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 010111/000490 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2047 |
The 2025 property tax bill for 3255 Elsa Ave was $13,649.
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 | $485,833 (+4.64%) | $528,900 (+13.91%) Land $179,000 Building $349,900 | |
| 2025 | $13,649.00 | $464,300 Land $130,600 Building $333,700 | $464,300 Land $130,600 Building $333,700 |
| 2023 | $4,094.00 | $393,367 | $464,300 Land $130,600 Building $333,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3255 Elsa Ave in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2008.
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 | 8 in force |
| Nearby Flood Claims | 7 (2008–2019) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Jul 2019 · rainfall accumulation |
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 risk around 3255 Elsa Ave is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
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 205 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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