Charles County property record for 405 Garner Ave, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,050 sqft · built 1971 |
| Lot Size | 0.208 acres (9,062 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $158,000 (Apr 2010) |
| Tax Bill | $9,242 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Jan 2014 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-013619 |
| Primary APN | 06-013619 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,050 sqft Living Area |
| Gross Area | 2,290 sqft |
| 1st Floor Area | 1,270 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,062 sqft (0.208 acres) |
| Garage Type | Carport |
| Garage Area | 250 sqft |
| Carport | Carport |
| Carport Area | 250 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 013619 |
|---|---|
| Street Address | 405 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 3 B 41 S 3-A CARRINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 41 |
| Legal Lot Number | 3 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 405 GARNER AVE, WALDORF, MD 20602-2944 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jan 25, 2014 | Loan Modification, Mortgage · FHA Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 26, 2010 · Amount on Record |
| Deed Sale | Apr 26, 2010 · Amount on Record |
| Prior Sale | Nov 9, 2009 · Amount on Record |
| Deed Document Number | 201031110 |
| Deed Book / Page | 7130 / 117 |
| Last Transfer Date | Jun 15, 2016 |
| Transfer Doc | 0094170472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 405 GARNER AVE, WALDORF, MD 20602-2944 |
| Document Number | 0098090309 |
| Book / Page | 009809 / 000309 |
| Instrument Date | Jan 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 405 GARNER AVE WALDORF MD 206022944, WALDORF, MD 20602-2944 |
| Document Number | 0098090309 |
|---|---|
| Date | Apr 27, 2017 |
| Book Page | 009809/000309 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410-8000 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 26, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 405 GARNER AVE, WALDORF, MD 20602-2944 |
| Document Number | 0098570131 |
| Instrument Date | Jan 25, 2014 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 405 GARNER AVE WALDORF MD 206022944, WALDORF, MD 20602-2944 |
| Document Number | 0098570131 |
|---|---|
| Date | Jun 7, 2017 |
| Book Page | 009857/000131 |
| Name | WELLS FARGO BK |
|---|---|
| Address | FORT MILL, SC 29715 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 6, 2047 |
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 | $311,567 (+4.54%) | $325,100 (-) Land $120,000 Building $205,100 | |
| 2025 | $9,242.00 (+147.11%) Homeowner's exemption | $298,033 (+12.39%) | $325,100 (+14.27%) Land $120,000 Building $205,100 |
| 2023 | $3,740.00 (+21.43%) Homeowner's exemption | $265,167 (+7.86%) | $284,500 (-) Land $120,000 Building $164,500 |
| 2022 | $3,080.00 Homeowner's exemption | $245,833 | $284,500 Land $120,000 Building $164,500 |
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