Charles County property record for 3545 Elsa Ave, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,183 sqft · built 1974 |
| Lot Size | 1.33 acres (57,935 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,744 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-051286 |
| Primary APN | 06-051286 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,183 sqft Living Area |
| Gross Area | 2,711 sqft |
| 1st Floor Area | 1,253 sqft |
| Basement Area | 930 sqft |
| Finished Basement | 930 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 57,935 sqft |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 051286 |
|---|---|
| Street Address | 3545 ELSA AVE |
| City | WALDORF |
| State | MD |
| Zip | 20603-6060 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WCD |
| Legal Description | L-19 S-2 SHADY ACRES SUB |
| Legal Subdivision | SHADY ACRES SUB |
| Legal Block | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 850712 |
3545 Elsa Ave is owned and occupied by two individuals who acquired it in January 2008.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3545 ELSA AVE, WALDORF, MD 20603-6060 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2008 |
| Deed Sale | Jan 29, 2008 |
| Prior Sale | Aug 22, 1986 · Amount on File |
| Deed Document Number | 200816208 |
| Deed Book / Page | 6555 / 496 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3545 Elsa Ave was $10,744 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 | $376,367 | $404,500 Land $188,300 Building $216,200 | |
| 2025 | $10,744.00 | ||
| 2023 | $4,339.00 Homeowner's exemption | $307,567 | $362,300 Land $153,300 Building $209,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3545 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 3545 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 182 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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