Charles County property record for 403 Garner Ave, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,040 sqft · built 1972 |
| Lot Size | 0.218 acres (9,480 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $309,000 (Feb 2021) |
| Tax Bill | $10,391 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Sep 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-016952 |
| Primary APN | 06-016952 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,040 sqft Living Area |
| Gross Area | 2,328 sqft |
| 1st Floor Area | 1,560 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,480 sqft (0.218 acres) |
| Garage Type | Carport |
| Garage Area | 231 sqft |
| Carport | Carport |
| Carport Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 288 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 016952 |
|---|---|
| Street Address | 403 GARNER AVE |
| City | WALDORF |
| State | MD |
| Zip | 20602-2944 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | L-2 B-41 S-3-A CARRINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 41 |
| Legal Lot Number | 2 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 850902 |
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 | 403 GARNER AVE, WALDORF, MD 20602-2944 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 29, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 6, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 17, 2021 | Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2021 · Amount on Record |
| Deed Sale | Feb 17, 2021 · Amount on Record |
| Prior Sale | Jan 5, 2005 · Amount on Record |
| Deed Book / Page | 11623 / 74 |
| Transfer Doc | 0000002402 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 403 GARNER AVE, WALDORF, MD 20602-2944 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 403 GARNET AV, WALDORF, MD 20602-2944 |
| Document Number | 0138440029 |
|---|---|
| Date | Oct 29, 2025 |
| Book Page | 13844/29 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 403 GARNER AVE, WALDORF, MD 20602-2944 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 403 GARNER AVE, WALDORF, MD 20602-2944 |
| Document Number | 0130430172 |
|---|---|
| Date | Sep 6, 2023 |
| Book Page | 13043/172 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Feb 17, 2021 |
| Property Address | 403 GARNER AVE, WALDORF, MD 20602-2944 |
| Document Number | 0116230074 |
| Book / Page | 11623 / 74 |
| Map Reference | MB 11 FO 19 |
| Instrument Date | Feb 8, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | NOT AVAILABLE, TSB TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,317.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 403 GARNER AVE, WALDORF, MD 20602-2944 |
| Document Number | 1162381 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 11623/81 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
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 | $353,600 (+18.84%) | $366,600 (+11.9%) Land $120,000 Building $246,600 | |
| 2025 | $10,391.00 (+145.07%) | ||
| 2023 | $4,240.00 | $297,533 | $327,600 Land $120,000 Building $207,600 |
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 | 2 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 | Not rated no burnable land within 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 423 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures