Charles County property record for 3930 Cindy Ct, Indian Head, MD 20640
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,384 sqft · built 1977 |
| Lot Size | 1.03 acres (45,302 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,000 (Feb 2014) |
| Tax Bill | $11,943 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Dec 2022 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-010985 |
| Primary APN | 10-010985 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,384 sqft Living Area |
| 1st Floor Area | 1,424 sqft |
| Basement Area | 960 sqft |
| Finished Basement | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 45,302 sqft |
| Garage Type | Detached |
| Garage Area | 896 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 880 sqft |
|---|---|
| Deck Area | 168 sqft |
| Shed | 1 Shed |
| Shed Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 010985 |
|---|---|
| Street Address | 3930 CINDY CT |
| City | INDIAN HEAD |
| State | MD |
| Zip | 20640-3805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WCD |
| Legal Description | L-15 RISON ACRES SUB |
| Legal Subdivision | RISON ACRES SUB |
| Legal Block | 2 |
| Legal Lot Number | 15 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 10, MARBURY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 850300 |
3930 Cindy Ct is owned and occupied by an individual who bought it in February 2014.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3930 CINDY CT, INDIAN HEAD, MD 20640-3805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Nov 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2014 · Amount on File |
| Deed Sale | Feb 6, 2014 · Amount on File |
| Deed Book / Page | 8475 / 330 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Apr 8, 2026 |
| Property Address | 3930 CINDY CT, INDIAN HEAD, MD 20640-3805 |
| Document Number | 1402000374 |
| Book / Page | 14021 / 374 |
| Instrument Date | Mar 27, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 3930 CINDY CT, INDIAN HEAD, MD 20640-3805 |
| Document Number | 1402000374, |
|---|---|
| Date | Apr 8, 2026 |
| Book Page | 14021/374 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3930 CINDY CT, INDIAN HEAD, MD 20640-3805 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3930 CINDY CT, INDIAN HEAD, MD 20640-3805 |
| Document Number | 0127860059 |
|---|---|
| Date | Dec 1, 2022 |
| Book Page | 12786/59 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 3930 CINDY CT, INDIAN HEAD, MD 20640-3805 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3930 CINDY CT, INDIAN HEAD, MD 20640-3805 |
| Document Number | 0121900157 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | 12190/157 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 265 Months |
| Due | Dec 1, 2043 |
The 2025 property tax bill for 3930 Cindy Ct was $11,943.
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 | $407,533 (+4.39%) | $441,800 (+13.17%) Land $110,300 Building $331,500 | |
| 2025 | $11,943.00 | $390,400 Land $90,300 Building $300,100 | $390,400 Land $90,300 Building $300,100 |
| 2023 | $4,654.00 | $324,267 | $390,400 Land $90,300 Building $300,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3930 Cindy Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
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 Claims | 2 (1996–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2018 · rainfall accumulation |
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 risk around 3930 Cindy Ct is low, with a 0.02% 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 | 0.02% 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: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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