Charles County property record for 3566 Pine Cone Cir, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,380 sqft · built 1986 |
| Lot Size | 0.228 acres (9,947 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (May 2022) |
| Tax Bill | $12,154 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Mar 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-139868 |
| Primary APN | 06-139868 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,380 sqft Living Area |
| 1st Floor Area | 1,468 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,947 sqft (0.228 acres) |
| Garage Area | 120 sqft |
| Porch | Open Porch |
| Porch Area | 296 sqft |
| Deck Area | 234 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 139868 |
|---|---|
| Street Address | 3566 PINE CONE CIR |
| City | WALDORF |
| State | MD |
| Zip | 20602-2648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 84 BLK E HUNTINGTON NEIGHBORHOOD ST CHARLES AREA C SEC 2 |
| Legal Subdivision | ST CHARLES |
| Legal Block | E |
| Legal Lot Number | 84 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 850905 |
3566 Pine Cone Cir is owned and occupied by two individuals who bought it in May 2022.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3566 PINE CONE CIR, WALDORF, MD 20602-2648 |
| 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.
| Date | Document |
|---|---|
| Sep 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 25, 2022 | Deed, Transfer · FHA Mortgage FIRST WASHINGTON MORTGAGE LLC |
| Oct 16, 2018 | Deed, Transfer · FHA Mortgage UNIVERSAL MORTGAGE & FINANCE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2022 · Amount on File |
| Deed Sale | May 25, 2022 · Amount on File |
| Prior Sale | Oct 16, 2018 · Amount on File |
| Deed Book / Page | 12564 / 237 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3566 PINE CONE CIR, WALDORF, MD 20602-2648 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 3566 PINE CONE CIR, WALDORF, MD 20602-2648 |
| Document Number | 0130570001 |
|---|---|
| Date | Sep 15, 2023 |
| Book Page | 13057/1 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 474 Months |
| Due | Mar 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3566 PINE CONE CIR, WALDORF, MD 20602-2648 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2023 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 3566 PINE CONE CIR, WALDORF, MD 20602-2648 |
| Document Number | 0128780120 |
|---|---|
| Date | Mar 15, 2023 |
| Book Page | 12878/120 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Mar 1, 2063 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 25, 2022 |
| Property Address | 3566 PINE CONE CIR, WALDORF, MD 20602-2648 |
| Document Number | 0125640237 |
| Book / Page | 12564 / 237 |
| Map Reference | MB 33 FO 17 |
| Instrument Date | Apr 26, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2022 |
| Title Company | HOME FIRST TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3566 PINE CONE CIR, WALDORF, MD 20602-2648 |
| Document Number | 0012564244 |
|---|---|
| Date | May 25, 2022 |
| Instrument | 12564/244 |
| Name | FIRST WASHINGTON MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Oct 16, 2018 |
| Property Address | 3566 PINE CONE CIR, WALDORF, MD 20602-2648 |
| Document Number | 0104260453 |
| Book / Page | 10426 / 453 |
| Map Reference | MB33 FO17 |
| Instrument Date | Sep 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | INTERSTATE TITLE & ESCROW LL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3566 PINE CONE CIR, WALDORF, MD 20602-2648 |
| Document Number | 0010426460 |
|---|---|
| Date | Oct 16, 2018 |
| Instrument | 10426/460 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2048 |
The 2025 property tax bill for 3566 Pine Cone Cir was $12,154.
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 | $444,767 (+9.14%) | $482,000 (-) Land $126,100 Building $355,900 | |
| 2025 | $12,154.00 | $407,533 | $482,000 Land $126,100 Building $355,900 |
| 2023 | $4,835.00 | $342,500 | $370,300 Land $126,100 Building $244,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3566 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Jul 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 risk around 3566 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 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 175 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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