3540 Laurel Dr, Indian Head, MD 20640 Property Records

Charles County property record for 3540 Laurel Dr, Indian Head, MD 20640

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,956 sqft · built 1961
Lot Size	1.43 acres (62,291 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,180 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-029101`

Property Details

APN / Parcel Number

Primary APN	`07-029101`
Alternative APNs	`7029101` `029101`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,956 sqft Living Area
1st Floor Area	1,488 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	62,291 sqft
Pool Area	861 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	029101
Street Address	3540 LAUREL DR
City	INDIAN HEAD
State	MD
Zip	20640-3110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WCD
Legal Description	LOT 26 LAUREL DR SUB
Legal Subdivision	LAUREL DR SUB
Legal Block	2
Legal Lot Number	26
Jurisdiction	CHARLES MD
Township / Civil Division	7, POMONKEY
Census Block Group	2
Census Block	2017
Census Tract	850102

Owner

3540 Laurel Dr is owned and occupied by two individuals who acquired it in June 2002.

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	2 Individual Names on File
Mailing Address	3540 LAUREL DR, INDIAN HEAD, MD 20640-3110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · VA Mortgage NEW ERA LENDING LLC
Oct 22, 2019	Deed of Trust, Mortgage · VA Mortgage HOME MORTGAGE ALLIANCE CORP
Mar 27, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 11, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2002
Deed Sale	Jun 27, 2002
Deed Document Number	20024302
Deed Book / Page	3607 / 552
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	3540 LAUREL DR, INDIAN HEAD, MD 20640-3110
Transaction Type	Mortgage
Record Updated	Jan 1, 2026
Title Company	UNKNOWN, FREEDOM FIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 LAUREL DR, INDIAN HEAD, MD 20640-3110

Mortgage

Document Number	0139060129
Date	Dec 19, 2025
Book Page	13906/129

Lender

Name	NEW ERA LENDING LLC
Type	Mortgage Company
Address	HOUSTON, TX 77077

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	3540 LAUREL DR, INDIAN HEAD, MD 20640-3110
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CERTIFIED TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108350292
Date	Oct 22, 2019
Book Page	10835/292

Lender

Name	HOME MORTGAGE ALLIANCE CORP
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	3540 LAUREL DR, INDIAN HEAD, MD 20640-3110
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	PREMIUM TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102120073
Date	Mar 27, 2018
Book Page	10212/073

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	3540 LAUREL DR, INDIAN HEAD, MD 20640-3110
Document Number	0099180199
Book / Page	009918 / 000199
Instrument Date	Jul 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 3, 2017
Title Company	PREMIUM TITLE AND ESCROW, PREMIUM TITLE & ESCROW

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3540 LAUREL DR INDIAN HEAD MD 206403110, INDIAN HEAD, MD 20640-3110

Mortgage

Document Number	0099180199
Date	Jul 19, 2017
Book Page	009918/000199

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3540 Laurel Dr was $10,180.

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		$319,800 Land $128,400 Building $191,400	$319,800 Land $128,400 Building $191,400
2025	$10,180.00
2023	$3,827.00	$266,400	$332,600 Land $83,400 Building $249,200

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

Flood

FEMA maps place 3540 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

Wildfire risk around 3540 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

May also be available: AT&T, T-Mobile.

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