Charles County property record for 3654 Lightner Ct, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,620 sqft · built 1985 |
| Lot Size | 0.204 acres (8,903 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $205,000 (Apr 2015) |
| Tax Bill | $9,392 (2025) |
| Deeds & Mortgages | Jul 2023 Transfer Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-138381 |
| Primary APN | 06-138381 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| Gross Area | 1,932 sqft |
| 1st Floor Area | 1,620 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,903 sqft (0.204 acres) |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 88 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 138381 |
|---|---|
| Street Address | 3654 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 128 BLK E SEC 3 HUNTINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | E |
| Legal Lot Number | 128 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3654 LIGHTNER CT, WALDORF, MD 20602-2645 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 31, 2023 | Intrafamily Transfer, Transfer |
| Sep 9, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2015 · Amount on Record |
| Deed Sale | Apr 16, 2015 · Amount on Record |
| Prior Sale | Apr 25, 2008 · Amount on Record |
| Deed Book / Page | 8893 / 289 |
| Last Transfer Date | Jul 14, 2023 |
| Transfer Doc | 0130070311 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jul 31, 2023 |
| Property Address | 3654 LIGHTNER CT, WALDORF, MD 20602-2645 |
| Document Number | 0130070311 |
| Book / Page | 13007 / 311 |
| Map Reference | MB PCM 32 PL 194 |
| Instrument Date | Jul 14, 2023 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3654 LIGHTNER CT, WALDORF, MD 20602-2645 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3654 LIGHTNER CT, WALDORF, MD 20602-2645 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3654 LIGHTNER CT, WALDORF, MD 20602-2645 |
| Document Number | 0126980342 |
|---|---|
| Date | Sep 9, 2022 |
| Book Page | 12698/342 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 8, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $315,133 (+4.12%) | $327,600 (-) Land $126,100 Building $201,500 | |
| 2025 | $9,392.00 (+139.29%) | $302,667 (+10.54%) | $327,600 (+12.89%) Land $126,100 Building $201,500 |
| 2023 | $3,925.00 (+21.71%) | $273,800 (+6.37%) | $290,200 (-) Land $126,100 Building $164,100 |
| 2022 | $3,225.00 | $257,400 | $290,200 Land $126,100 Building $164,100 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures