3292 Captain Dement Dr, Waldorf, MD 20603 Property Records

Charles County property record for 3292 Captain Dement Dr, Waldorf, MD 20603

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,680 sqft · built 1983
Lot Size	0.689 acres (30,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$372,000 (Aug 2020)
Tax Bill	$13,562 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-120415`

Property Details

APN / Parcel Number

Primary APN	`06-120415`
Alternative APNs	`6120415` `120415`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,668 sqft Living Area
Gross Area	3,408 sqft
1st Floor Area	1,680 sqft
Basement Area	988 sqft
Finished Basement	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	30,000 sqft (0.689 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Enclosed Porch
Porch Area	168 sqft
Deck Area	321 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	120415
Street Address	3292 CAPTAIN DEMENT DR
City	WALDORF
State	MD
Zip	20603-6028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WCD
Legal Description	L-5 PLAT 3-.688 AC EUTAW FOREST SUB
Legal Subdivision	EUTAW FOREST SUB
Legal Block	1
Legal Lot Number	5
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1004
Census Tract	850712

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	3292 CAPTAIN DEMENT DR, WALDORF, MD 20603-6028
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed of Trust, Mortgage · Line of Credit LAKEVIEW LOAN SERVICING
Aug 14, 2020	Grant Deed, Transfer · VA Mortgage VELLUM MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2020 · Amount on Record
Deed Sale	Aug 14, 2020 · Amount on Record
Prior Sale	Jun 16, 2005 · Amount on Record
Deed Book / Page	11274 / 360
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Recording Date	Aug 14, 2026
Property Address	3292 CAPTAIN DEMENT DR, WALDORF, MD 20603-6028
Document Number	1417000140
Book / Page	14179 / 140
Instrument Date	Jul 29, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3292 CAPTAIN DEMENT DR, WALDORF, MD 20603-6028

Mortgage

Document Number	1417000140,
Date	Aug 14, 2026
Book Page	14179/140

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 24, 2036

Interest

Max Rate	-1%

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Aug 14, 2020
Property Address	3292 CAPTAIN DEMENT DR, WALDORF, MD 20603-6028
Document Number	0112740360
Book / Page	011274 / 000360
Instrument Date	Aug 10, 2020
Transaction Type	Transfer
Record Updated	Sep 8, 2020
Title Company	CLA TITLE AND ESCROW, CLA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$372.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3292 CAPTAIN DEMENT DR WALDORF MD 206036028, WALDORF, MD 20603-6028

Mortgage

Document Number	112740367
Date	Aug 14, 2020
Book Page	011274/000367

Lender

Name	VELLUM MTG LLC
Address	12700 FAIR LAKES CIR # 400, FAIRFAX, VA 22033-4905

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2050

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		$467,233 (+25.4%)	$479,700 (+4.06%) Land $120,700 Building $359,000
2025	$13,562.00 (+159.11%)
2023	$5,234.00	$372,600	$461,000 Land $120,700 Building $340,300

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	5 in force
Nearby Flood Claims	4 (1994–2018)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Oct 2018 · 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	Direct burnable vegetation

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 139 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

Cell Coverage

5G and 4G LTE (outdoors only)

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