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3497 Pine Cone Cir, Waldorf, MD 20602 Property Records

Charles County property record for 3497 Pine Cone Cir, Waldorf, MD 20602

Property Summary

Property TypeSingle Family Home
Details1.5 ba · 1,502 sqft · built 1984
Lot Size0.245 acres (10,674 sqft)
Owner2 Individual Names on File
Last Sale$326,000 (Feb 2022)
Tax Bill$9,948 (2025)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Mar 2018 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN06-139922

Property Details

APN / Parcel Number

Primary APN06-139922
Alternative APNs
  • 6139922
  • 139922

Interior

Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,502 sqft Living Area
Gross Area1,950 sqft
1st Floor Area1,502 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area10,674 sqft (0.245 acres)
Garage TypeAttached
Garage Area360 sqft
Parking Spaces1 Parking Space
Deck Area192 sqft
Patio Area88 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
SewerMunicipal

Location & Zoning

Account Number139922
Street Address3497 PINE CONE CIR
CityWALDORF
StateMD
Zip20602-2647
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 12 BLK A HUNTINGTON NEIGHBORHOOD ST CHARLES AREA C SEC 2
Legal SubdivisionST CHARLES
Legal BlockA
Legal Lot Number12
JurisdictionCHARLES MD
Township / Civil Division6, WALDORF
Census Block Group1
Census Block1001
Census Tract850905

Owner

3497 Pine Cone Cir is owned and occupied by two individuals who bought it in February 2022.

Source: Charles County records, as of September 16, 2026

Owner of Record2 Individual Names on File
Mailing Address3497 PINE CONE CIR, WALDORF, MD 20602-2647
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Feb 9, 2022Deed, Transfer · Conventional Mortgage
MOVEMENT MORTGAGE
Mar 28, 2018Grant Deed, Transfer
NAVY FCU
Sep 11, 2017Grant Deed, Transfer
NOVARE NATIONAL SETTLEMENT SERVICES
Sep 11, 2017Grant Deed, Transfer
NOVARE NATIONAL SETTLEMENT SERVICES
Jun 27, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 9, 2022 · Amount on File
Deed SaleFeb 9, 2022 · Amount on File
Prior SaleMar 28, 2018 · Amount on File
Deed Book / Page12383 / 428
Prior Transfer DateJun 27, 2017
Prior Transfer Doc0099000332
Record UpdatedOct 29, 2026

February 2022: Deed, Transfer

Document TypeDeed
JurisdictionCHARLES MD
Recording DateFeb 9, 2022
Property Address3497 PINE CONE CIR, WALDORF, MD 20602-2647
Document Number0123830428
Book / Page12383 / 428
Map ReferenceMB PCM 33 PL 18
Instrument DateFeb 4, 2022
Transaction TypeTransfer
Record UpdatedMar 1, 2022
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,260.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3497 PINE CONE CIR, WALDORF, MD 20602-2647

Mortgage

Document Number0012383434
DateFeb 9, 2022
Instrument12383/434
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2052

March 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLES MD
Recording DateMar 28, 2018
Property Address3497 PINE CONE CIR, WALDORF, MD 20602-2647
Document Number0102130007
Book / Page010213 / 000007
Instrument DateMar 20, 2018
Transaction TypeTransfer
Record UpdatedApr 9, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$273.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3497 PINE CONE CIR WALDORF MD 206022647, WALDORF, MD 20602-2647

Mortgage

Document Number102130013
DateMar 28, 2018
Book Page010213/000013
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
AmountAmount on Record
Term360 Months
DueMar 27, 2048

September 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLES MD
Recording DateSep 11, 2017
Property Address3497 PINE CONE CIR, WALDORF, MD 20602-2647
Document Number0099820150
Book / Page009982 / 000150
Instrument DateAug 15, 2017
Transaction TypeTransfer
Record UpdatedNov 22, 2017
Title CompanyNOVARE NATIONAL SETTLEMENT SERVICES

Transaction

AmountAmount on Record
Tax$155.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6265 RIPLEY RD LA PLATA MD 206464628, LA PLATA, MD 20646-4628

September 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLES MD
Recording DateSep 11, 2017
Property Address3497 PINE CONE CIR, WALDORF, MD 20602-2647
Document Number0099820149
Book / Page009982 / 000149
Instrument DateAug 15, 2017
Transaction TypeTransfer
Record UpdatedNov 22, 2017
Title CompanyNOVARE NATIONAL SETTLEMENT SERVICES

Transaction

AmountAmount on Record
Tax$155.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6265 RIPLEY RD LA PLATA MD 206464628, LA PLATA, MD 20646-4628

June 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLES MD
Recording DateJun 27, 2017
Property Address3497 PINE CONE CIR, WALDORF, MD 20602-2647
Document Number0099000332
Book / Page009900 / 000332
Instrument DateJun 27, 2017
Transaction TypeTransfer
Record UpdatedOct 7, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$151.77
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3497 Pine Cone Cir was $9,948.

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCharles County
Unified School DistrictCharles County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$337,133$350,500 Land $126,200 Building $224,300
2025$9,948.00
2023$4,192.00 (+20.6%)$293,933 (+5.93%)$310,400 (-) Land $126,200 Building $184,200
2022$3,476.00$277,467$310,400 Land $126,200 Building $184,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3497 Pine Cone Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 10 policies
Nearby Flood Policies10 in force
Nearby Flood Claims1 (2020)
Most Recent ClaimJul 2020 · other causes

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

Wildfire risk around 3497 Pine Cone Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemWALDORF - CHARLES COUNTY DPW
serves 84,296 people · EPA ID MD0080049
Water SourcePurchased surface water from WASHINGTON SUBURBAN SANITARY COMMISSION
Last State InspectionJul 2025
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 175 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber		2,300 / 2,300
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

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