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4064 Cottontop Ct, Waldorf, MD 20603 Property Records

Charles County property record for 4064 Cottontop Ct, Waldorf, MD 20603

Property Summary

Property TypeSingle Family Home
Details1.5 ba · 1,324 sqft · built 1987
Lot Size0.115 acres (4,986 sqft)
OwnerIndividual Name on File
Last Sale$315,000 (Nov 2021)
Tax Bill$9,416 (2025)
Deeds & MortgagesSep 2025 Mortgage
Jul 2023 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN06-150454

Property Details

APN / Parcel Number

Primary APN06-150454
Alternative APNs
  • 6150454
  • 150454

Interior

Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,324 sqft Living Area
Gross Area1,368 sqft
1st Floor Area662 sqft

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area4,986 sqft (0.115 acres)

Exterior Amenities

PorchOpen Porch
Porch Area44 sqft
Deck Area144 sqft
Patio Area44 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number150454
Street Address4064 COTTONTOP CT
CityWALDORF
StateMD
Zip20603-4645
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 64 PARCEL M WESTLAKE VLG - LANCASTER ST CHARLES SUB
Legal SubdivisionST CHARLES SUB
Legal Block2
Legal Lot Number64
JurisdictionCHARLES MD
Township / Civil Division6, WALDORF
Census Block Group2
Census Block2000
Census Tract850711

Owner

4064 Cottontop Ct is owned and occupied by an individual who bought it in November 2021.

Source: Charles County records, as of September 16, 2026

Owner of RecordIndividual Name on File
Mailing Address4064 COTTONTOP CT, WALDORF, MD 20603-4645
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Sep 19, 2025Deed of Trust, Mortgage · FHA Mortgage
NATIONSTAR MORTGAGE LLC
Jul 27, 2023Deed of Trust, Mortgage · FHA Mortgage
NATIONSTAR MORTGAGE LLC
Nov 17, 2021Deed, Transfer · FHA Mortgage
ARK-LA-TEX FINANCIAL SERVICES LLC
Oct 17, 2017Grant Deed, Transfer · Conventional with PMI
NAVY FCU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 17, 2021 · Amount on File
Deed SaleNov 17, 2021 · Amount on File
Prior SaleOct 17, 2017 · Amount on File
Deed Book / Page12223 / 294
Record UpdatedOct 29, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLES MD
Property Address4064 COTTONTOP CT, WALDORF, MD 20603-4645
Transaction TypeMortgage
Record UpdatedOct 6, 2025
Title CompanyCOVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address4064 COTTONTOP CT, WALDORF, MD 20603-4645

Mortgage

Document Number0137960464
DateSep 19, 2025
Book Page13796/464
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressMADISON HEIGHTS, MI 48071
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term315 Months
DueDec 1, 2051

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLES MD
Property Address4064 COTTONTOP CT, WALDORF, MD 20603-4645
Transaction TypeMortgage
Record UpdatedSep 13, 2023
Title CompanyCOVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address4064 COTTONOP CT, WALDORF, MD 20603-4645

Mortgage

Document Number0130030393
DateJul 27, 2023
Book Page13003/393
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressMADISON HEIGHTS, MI 48071
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term341 Months
DueDec 1, 2051

November 2021: Deed, Transfer

Document TypeDeed
JurisdictionCHARLES MD
Recording DateNov 17, 2021
Property Address4064 COTTONTOP CT, WALDORF, MD 20603-4645
Document Number0122230294
Book / Page12223 / 294
Map ReferenceMB 35 FO 52-54
Instrument DateNov 12, 2021
Transaction TypeTransfer
Record UpdatedDec 3, 2021
Title CompanyCOUNSEL TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,362.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4064 COTTONTOP CT, WALDORF, MD 20603-4645

Mortgage

Document Number12223300
DateNov 17, 2021
Instrument12223/300
Lender
NameARK-LA-TEX FINANCIAL SERVICES LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2051

October 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLES MD
Recording DateOct 17, 2017
Property Address4064 COTTONTOP CT, WALDORF, MD 20603-4645
Document Number0100310001
Book / Page010031 / 000001
Instrument DateSep 28, 2017
Transaction TypeTransfer
Record UpdatedFeb 20, 2018
Title CompanyMARYLAND FIRST TITLE LIMITED

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$235.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4064 COTTONTOP CT WALDORF MD 206034645, WALDORF, MD 20603-4645

Mortgage

Document Number100310008
DateOct 17, 2017
Book Page010031/000008
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueOct 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4064 Cottontop Ct was $9,416.

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCharles County
Unified School DistrictCharles County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$328,800$354,000 Land $125,000 Building $229,000
2025$9,416.00
2023$3,687.00 (+26.22%)$255,800 (+9.69%)$278,400 (-) Land $125,000 Building $153,400
2022$2,921.00$233,200$278,400 Land $125,000 Building $153,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4064 Cottontop Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4064 Cottontop Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 96% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWALDORF - CHARLES COUNTY DPW
serves 84,296 people · EPA ID MD0080049
Water SourcePurchased surface water from WASHINGTON SUBURBAN SANITARY COMMISSION
Last State InspectionJul 2025
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 433 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber		2,300 / 2,300
Xfinity
Cable		2,000 / 250

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