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3640 Stump Neck Rd, Indian Head, MD 20640 Property Records

Charles County property record for 3640 Stump Neck Rd, Indian Head, MD 20640 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,050 sqft · built 1960
Lot Size2.65 acres (115,434 sqft)
Owner2 Individual Names on File
Tax Bill$6,148 (2025)
Deeds & MortgagesJul 2022 Second Mortgage
Flood ZoneZone X (minimal risk)
APN10-010381

Property Details

APN / Parcel Number

Primary APN10-010381
Alternative APN
  • 010381

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,050 sqft Living Area
1st Floor Area1,050 sqft

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1960
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area115,434 sqft (2.65 acres)
Deck Area120 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerConnected

Location & Zoning

Account Number010381
Street Address3640 STUMP NECK RD
CityINDIAN HEAD
StateMD
Zip20640-3651
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description2.65 AC STUMP NECK RD OFF 224
Legal SubdivisionTOWN OF LA PLATA
Legal Block2
JurisdictionCHARLES MD
Township / Civil Division10, MARBURY
Census Block Group2
Census Block2014
Census Tract850300

Owner

Source: Charles County records · APN 10-010381

Assessment roll updated September 22, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3640 STUMP NECK RD, INDIAN HEAD, MD 20640-3651
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 26, 1996
Deed SaleJul 26, 1996
Deed Document Number19966396
Deed Book / Page2257 / 605
Last Transfer DateMar 13, 2015
Transfer Doc0088710085
Record UpdatedJun 08, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLES MD
Property Address3640 STUMP NECK RD, INDIAN HEAD, MD 20640-3651
Transaction TypeMortgage
Record UpdatedJul 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3640 STUMP NECK RD, INDIAN HEAD, MD 20640-3651

Mortgage

Document Number0126290321
DateJul 13, 2022
Book Page12629/321
Lender
NameSPECTRA CREDIT UNION
AddressALEXANDRIA, VA 22312
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term241 Months
DueAug 01, 2042

Tax Assessment & Valuation

Source: Charles County records · Assessment roll updated September 22, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCharles County
Unified School DistrictCharles County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,148.00 (+164.89%) Homeowner's exemption$215,300 (+31.41%) Land $103,200 Building $112,100$215,300 (-) Land $103,200 Building $112,100
2023$2,321.00 Homeowner's exemption$163,833$215,300 Land $103,200 Building $112,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charles County (24017C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240178503002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims2 (1996–2018)
Claims Outside the SFHA2 of 2
Most Recent ClaimJul 2018, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 41% of Maryland
Wildfire LikelihoodAbout 1 in 5,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 35 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
VerizonFiber2,300 / 2,300
XfinityCable1,200 / 35
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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