3554 Lupton Ct, White Plains, MD 20695 Property Records

Charles County property record for 3554 Lupton Ct, White Plains, MD 20695

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,410 sqft · built 2017
Lot Size	0.168 acres (7,331 sqft)
Owner	2 Individual Names on File
Last Sale	$422,000 (Feb 2018)
Tax Bill	$21,547 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2021 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-336434`

Property Details

APN / Parcel Number

Primary APN	`06-336434`
Alternative APN	`336434`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,410 sqft Living Area
Gross Area	3,830 sqft
1st Floor Area	1,164 sqft
Basement Area	920 sqft
Finished Basement	920 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,331 sqft (0.168 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	108 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	336434
Street Address	3554 LUPTON CT
City	WHITE PLAINS
State	MD
Zip	20695-4229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	LOT 51 0.1683 AC WORTHINGTON SUB
Legal Subdivision	WORTHINGTON SUB
Legal Block	2
Legal Lot Number	51
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	2
Census Block	2003
Census Tract	851502

Owner

3554 Lupton Ct is owned and occupied by two individuals who bought it in February 2018.

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	3554 LUPTON CT, WHITE PLAINS, MD 20695-4229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 25, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Feb 21, 2018	Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC
Oct 27, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2018 · Amount on File
Deed Sale	Feb 21, 2018 · Amount on File
Prior Sale	Oct 27, 2017 · Amount on File
Deed Book / Page	10176 / 500
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	3554 LUPTON CT, WHITE PLAINS, MD 20695-4229
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3554 LUPTON CT, WHITE PLAINS, MD 20695-4229

Mortgage

Document Number	0138400131
Date	Oct 27, 2025
Book Page	13840/131

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	268 Months
Due	Feb 1, 2048

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	3554 LUPTON CT, WHITE PLAINS, MD 20695-4229
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3554 LUPTON CT, WHITE PLAINS, MD 20695-4229

Mortgage

Document Number	0121620070
Date	Oct 25, 2021
Book Page	12162/70

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	316 Months
Due	Feb 1, 2048

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Feb 21, 2018
Property Address	3554 LUPTON CT, WHITE PLAINS, MD 20695-4229
Document Number	0101760500
Book / Page	10176 / 500
Map Reference	MB57 PG180-184
Instrument Date	Jan 24, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8000 VIRGINIA MANOR RD # RD140, 8000, BELTSVILLE, MD 20705-4211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3554 OLUOPTON COURT, WHITE PLAINS, MD 20695

Mortgage

Document Number	0010176505
Date	Feb 21, 2018
Instrument	10176/505

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Oct 27, 2017
Property Address	3554 LUPTON CT, WHITE PLAINS, MD 20695-4229
Document Number	0100450045
Book / Page	010045 / 000045
Instrument Date	Oct 2, 2017
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount on Record
Tax	$105.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8000 VIRGINIA MANOR RD #140 BELTSVILLE MD 207054211, 140, BELTSVILLE, MD 20705-4211
Investor	Possibly a Property Investor

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		$507,300 (+17.35%)	$530,100 (+14.81%) Land $155,000 Building $375,100
2025	$21,547.00 (+173.93%)
2023	$7,866.00	$432,300	$461,700 Land $155,000 Building $306,700

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

Flood

FEMA maps place 3554 Lupton Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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	3 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2023 · 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 3554 Lupton Ct 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	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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: AT&T.

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