3648 Lightner Ct, Waldorf, MD 20602 Property Records

Charles County property record for 3648 Lightner Ct, Waldorf, MD 20602

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,776 sqft · built 1985
Lot Size	0.22 acres (9,598 sqft)
Owner	2 Individual Names on File
Last Sale	$221,000 (Nov 2015)
Tax Bill	$9,262 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-138357`

Property Details

APN / Parcel Number

Primary APN	`06-138357`
Alternative APNs	`6138357` `138357`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,776 sqft Living Area
1st Floor Area	960 sqft
Basement Area	816 sqft
Finished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,598 sqft (0.22 acres)
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	138357
Street Address	3648 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 125 BLK E SEC 3 HUNTINGTON NEIGHBORHOOD ST CHARLES SUB
Legal Subdivision	ST CHARLES SUB
Legal Block	E
Legal Lot Number	125
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1004
Census Tract	850905

Owner

3648 Lightner Ct is owned and occupied by two individuals who acquired it in August 2019.

Source: Charles County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3648 LIGHTNER CT, WALDORF, MD 20602-2645
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2015 · Amount on File
Deed Sale	Nov 6, 2015 · Amount on File
Prior Sale	May 1, 2015 · Amount on File
Deed Book / Page	9132 / 297
Last Transfer Date	Aug 27, 2019
Transfer Doc	0107880386
Record Updated	Oct 29, 2026

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Sep 17, 2019
Property Address	3648 LIGHTNER CT, WALDORF, MD 20602-2645
Document Number	0107880386
Book / Page	010788 / 000386
Instrument Date	Aug 27, 2019
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$206.97
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3648 LIGHTNER CT WALDORF MD 206022645, WALDORF, MD 20602-2645

Mortgage

Document Number	107880391
Date	Sep 17, 2019
Book Page	010788/000391

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3648 Lightner Ct was $9,262 with a homeowner's exemption.

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		$325,733 (+5.7%)	$343,300 (-) Land $126,100 Building $217,200
2025	$9,262.00 Homeowner's exemption	$308,167	$343,300 Land $126,100 Building $217,200
2023	$3,743.00 (+20.59%) Homeowner's exemption	$269,200 (+8.64%)	$290,600 (-) Land $126,100 Building $164,500
2022	$3,104.00 Homeowner's exemption	$247,800	$290,600 Land $126,100 Building $164,500

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

Flood

FEMA maps place 3648 Lightner Ct 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

Wildfire risk around 3648 Lightner 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	None beyond ember reach

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 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