Charles County property record for 3640 Lightner Ct, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,000 sqft · built 1986 |
| Lot Size | 0.31 acres (13,521 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $440,000 (Oct 2024) |
| Tax Bill | $12,373 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-138306 |
| Primary APN | 06-138306 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,000 sqft Living Area |
| Gross Area | 2,528 sqft |
| 1st Floor Area | 1,048 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 | 13,521 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 138306 |
|---|---|
| Street Address | 3640 LIGHTNER CT |
| City | WALDORF |
| State | MD |
| Zip | 20602-2645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 121 BLK E SEC 3 HUNTINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | E |
| Legal Lot Number | 121 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 850905 |
Source: Charles County records, as of September 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3640 LIGHTNER CT, WALDORF, MD 20602-2645 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Sep 16, 2019 | Deed, Transfer · FHA Mortgage SANDY SPRING BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2024 · Amount on Record |
| Deed Sale | Oct 18, 2024 · Amount on Record |
| Prior Sale | Sep 16, 2019 · Amount on Record |
| Deed Book / Page | 13447 / 500 |
| Prior Transfer Date | Apr 9, 2007 |
| Prior Transfer Doc | 0062900377 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3640 LIGHTNER CT, WALDORF, MD 20602-2645 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3640 LIGHTNER CT, WALDORF, MD 20602-2645 |
| Document Number | 0124240374 |
|---|---|
| Date | Mar 3, 2022 |
| Book Page | 12424/374 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3640 LIGHTNER CT, WALDORF, MD 20602-2645 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0115870482 |
|---|---|
| Date | Feb 3, 2021 |
| Book Page | 11587/482 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Sep 16, 2019 |
| Property Address | 3640 LIGHTNER CT, WALDORF, MD 20602-2645 |
| Document Number | 0107870135 |
| Book / Page | 10787 / 135 |
| Map Reference | MB PCM 32 FO 194 |
| Instrument Date | Aug 23, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,137.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 3640 LIGHTNER CT, WALDORF, MD 20602-2645 |
| Document Number | 10787143 |
|---|---|
| Date | Sep 16, 2019 |
| Instrument | 10787/143 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
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 | $439,033 (+5.57%) | $462,200 (-) Land $126,300 Building $335,900 | |
| 2025 | $12,373.00 (+176.18%) | $415,867 (+17.72%) | $462,200 (+17.7%) Land $126,300 Building $335,900 |
| 2023 | $4,480.00 Homeowner's exemption | $353,267 | $392,700 Land $126,300 Building $266,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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 | None beyond ember reach |
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 435 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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