Charles County property record for 3445 Laurel Dr, Indian Head, MD 20640
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,734 sqft · built 1959 |
| Lot Size | 1.13 acres (49,658 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (May 2019) |
| Tax Bill | $9,786 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage May 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-010176 |
| Primary APN | 07-010176 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,734 sqft Living Area |
| Gross Area | 1,974 sqft |
| 1st Floor Area | 1,184 sqft |
| Basement Area | 550 sqft |
| Finished Basement | 550 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 49,658 sqft |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 136 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 010176 |
|---|---|
| Street Address | 3445 LAUREL DR |
| City | INDIAN HEAD |
| State | MD |
| Zip | 20640-3103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WCD |
| Legal Description | LOT 17 MONTROSE SUB |
| Legal Subdivision | MONTROSE SUB |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 7, POMONKEY |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 850102 |
3445 Laurel Dr is owned and occupied by an individual who bought it in May 2019.
Source: Charles County records, as of September 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3445 LAUREL DR, INDIAN HEAD, MD 20640-3103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Jun 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| May 29, 2019 | Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| May 5, 2017 | Grant Deed, Transfer OTHER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 29, 2019 · Amount on File |
| Deed Sale | May 29, 2019 · Amount on File |
| Prior Sale | May 5, 2017 · Amount on File |
| Deed Book / Page | 10648 / 399 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3445 LAUREL DR, INDIAN HEAD, MD 20640-3103 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | INTERSTATE TITLE, INTERSTATE T&E LLC |
| Name | Verified Name |
|---|---|
| Address | 3445 LAUREL DR, INDIAN HEAD, MD 20640-3103 |
| Document Number | 0118900122 |
|---|---|
| Date | Jun 17, 2021 |
| Book Page | 11890/122 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 29, 2019 |
| Property Address | 3445 LAUREL DR, INDIAN HEAD, MD 20640-3103 |
| Document Number | 0106480399 |
| Book / Page | 10648 / 399 |
| Instrument Date | May 13, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | VELOCITY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 3445 LAUREL DR, INDIAN HEAD, MD 20640-3103 |
| Document Number | 0010648406 |
|---|---|
| Date | May 29, 2019 |
| Instrument | 10648/406 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 5, 2017 |
| Property Address | 3445 LAUREL DR, INDIAN HEAD, MD 20640-3103 |
| Document Number | 0098200382 |
| Book / Page | 009820 / 000382 |
| Instrument Date | Dec 28, 2016 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2017 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Tax | $125.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 42245 CAMERON PARISH DR ASHBURN VA 201481708, ASHBURN, VA 20148-1708 |
The 2025 property tax bill for 3445 Laurel Dr was $9,786 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 | $368,233 | $394,300 Land $126,100 Building $268,200 | |
| 2025 | $9,786.00 | ||
| 2023 | $3,955.00 (+22.64%) Homeowner's exemption | $290,000 (+12.67%) | $355,200 (+38%) Land $81,100 Building $274,100 |
| 2022 | $3,225.00 Homeowner's exemption | $257,400 Land $76,100 Building $181,300 | $257,400 Land $76,100 Building $181,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3445 Laurel Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.
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 |
| Nearby Flood Claims | 2 (2012–2013) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2013 · 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 3445 Laurel Dr 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 | LAUREL WATER SUPPLY private · serves 50 people · EPA ID MD0080026 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
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