Charles County property record for 3754 Gardiner Rd, Waldorf, MD 20601
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,832 sqft · built 1968 |
| Lot Size | 0.46 acres (20,037 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $369,000 (Aug 2021) |
| Tax Bill | $10,330 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Jul 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-020914 |
| Primary APN | 08-020914 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,832 sqft Living Area |
| Gross Area | 1,992 sqft |
| 1st Floor Area | 1,100 sqft |
| Basement Area | 732 sqft |
| Finished Basement | 732 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Split Foyer |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 20,037 sqft (0.46 acres) |
| Deck Area | 282 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 020914 |
|---|---|
| Street Address | 3754 GARDINER RD |
| City | WALDORF |
| State | MD |
| Zip | 20601-2052 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | LOT 4 BELLEWOOD SUB |
| Legal Subdivision | BELLEWOOD SUB |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 8, BRYANTOWN |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 850802 |
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 | 3754 GARDINER RD, WALDORF, MD 20601-2052 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Jul 2, 2019 | Deed of Trust, Mortgage · Line of Credit MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
| Aug 27, 2021 | Deed, Transfer · VA Mortgage USAA FSB |
| Jul 19, 2018 | Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2021 · Amount on Record |
| Deed Sale | Aug 27, 2021 · Amount on Record |
| Prior Sale | Jul 19, 2018 · Amount on Record |
| Deed Book / Page | 12036 / 130 |
| Prior Transfer Date | Sep 30, 2014 |
| Prior Transfer Doc | 0086990051 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3754 GARDINER RD, WALDORF, MD 20601-2052 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | PASSPORT TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0114580373 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 11458/373 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Address | BETHESDA, MD 20814 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3754 GARDINER RD, WALDORF, MD 20601-2052 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0106960140 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 10696/140 |
| Name | MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
|---|---|
| Type | Government Agency |
| Address | LANHAM, MD 20706 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Aug 27, 2021 |
| Property Address | 3754 GARDINER RD, WALDORF, MD 20601-2052 |
| Document Number | 0120360130 |
| Book / Page | 12036 / 130 |
| Map Reference | MB 10 PG 103 |
| Instrument Date | Aug 16, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2021 |
| Title Company | MILESTONE TITLE INC, MILESTONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,767.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3754 GARDINER RD, WALDORF, MD 20601-2052 |
| Document Number | 12036138 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 12036/138 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jul 19, 2018 |
| Property Address | 3754 GARDINER RD, WALDORF, MD 20601-2052 |
| Document Number | 0103340186 |
| Book / Page | 10334 / 186 |
| Map Reference | MB10 PG103 |
| Instrument Date | Jul 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | LAKESIDE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3754 GARDINER RD, WALDORF, MD 20601-2052 |
| Document Number | 0010334195 |
|---|---|
| Date | Jul 19, 2018 |
| Instrument | 10334/195 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
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 | $371,600 (+36.82%) Land $115,000 Building $256,600 | $371,600 (+36.82%) Land $115,000 Building $256,600 | |
| 2025 | $10,330.00 (+165.14%) | ||
| 2023 | $3,896.00 | $271,600 Land $108,000 Building $163,600 | $271,600 Land $108,000 Building $163,600 |
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 |
| Nearby Flood Policies | 4 in force |
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 | 0.02% 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 | BELLEWOOD WATER ASSOCIATION private · serves 75 people · EPA ID MD0080006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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 66 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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