Charles County property record for 3285 Elsa Ave, Waldorf, MD 20603
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 4.5 ba · 3,544 sqft · built 1999 |
| Lot Size | 0.325 acres (14,152 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $772 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-243347 |
| Primary APN | 06-243347 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,544 sqft Gross Area |
| 1st Floor Area | 1,262 sqft |
| Basement Area | 580 sqft |
| Finished Basement | 580 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 14,152 sqft (0.325 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 243347 |
|---|---|
| Street Address | 3285 ELSA AVE |
| City | WALDORF |
| State | MD |
| Zip | 20603-4010 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | WCD |
| Legal Description | LOT 55 SEC 1 PLT 3A SETTLE WOODS SUB |
| Legal Subdivision | SETTLE WOODS SUB |
| Legal Block | 2 |
| Legal Lot Number | 55 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 850712 |
3285 Elsa Ave is owned and occupied by an individual who acquired it in February 2008.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3285 ELSA AVE, WALDORF, MD 20603-4010 |
| 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 |
|---|---|
| Nov 14, 2018 | Deed of Trust, Mortgage · VA Mortgage STRONG HOME MORTGAGE LLC |
| Oct 20, 2020 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 27, 2019 | Deed of Trust, Mortgage · VA Mortgage GOODMORTGAGE.COM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 8, 2008 |
| Deed Sale | Feb 8, 2008 |
| Prior Sale | Nov 21, 2006 |
| Deed Document Number | 200820108 |
| Deed Book / Page | 6563 / 1 |
| Prior Transfer Date | Feb 7, 2008 |
| Prior Transfer Doc | 0065630001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3285 ELSA AVE, WALDORF, MD 20603-4010 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | SOLIDIFI |
| Name | Verified Name |
|---|
| Document Number | 0104530467 |
|---|---|
| Date | Nov 14, 2018 |
| Book Page | 10453/467 |
| Name | STRONG HOME MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | WOODBRIDGE, VA 22192 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3285 ELSA AVE, WALDORF, MD 20603-4010 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | MADISON SETMNT SVCS PITTSBUR |
| Name | Verified Name |
|---|---|
| Address | 3285 ELSA AVE, WALDORF, MD 20603-4010 |
| Document Number | 0113870123 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 11387/123 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3285 ELSA AVE, WALDORF, MD 20603-4010 |
| Document Number | 0108950485 |
| Instrument Date | Aug 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2019 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Address | 3285 ELSA AVE WALDORF MD 206034010, WALDORF, MD 20603-4010 |
| Document Number | 0108950485 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 010895/000485 |
| Name | GOODMORTGAGE.COM |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 3285 Elsa Ave was $772 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 | $477,600 (+4.6%) | $519,600 (+13.8%) Land $174,400 Building $345,200 | |
| 2025 | $772.00 Homeowner's exemption | $456,600 Land $127,300 Building $329,300 | $456,600 Land $127,300 Building $329,300 |
| 2023 | $5,298.00 Homeowner's exemption | $386,800 | $456,600 Land $127,300 Building $329,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3285 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 3285 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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