Charles County property record for 4085 Stepneys Pl, Indian Head, MD 20640
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,200 sqft · built 1940 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $355,000 (May 2026) |
| Tax Bill | $10,238 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage May 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-033648 |
| Primary APN | 07-033648 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1943 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,504 sqft (0.31 acres) |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 033648 |
|---|---|
| Street Address | 4085 STEPNEYS PL |
| City | INDIAN HEAD |
| State | MD |
| Zip | 20640-1818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 7A = 0.31 AC SOUTH GLYMONT SUB TOWN OF INDIAN HEAD |
| Legal Subdivision | TOWN OF INDIAN HEAD |
| Legal Block | 2 |
| Legal Lot Number | 7A |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 7, POMONKEY |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 850202 |
4085 Stepneys Pl is owned and occupied by an individual who bought it in May 2026.
Source: Charles County records, as of September 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4085 STEPNEYS PL, INDIAN HEAD, MD 20640-1818 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 2, 2022 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC |
| May 5, 2026 | Deed, Transfer · FHA Mortgage MERIDIAN BANK |
| Jun 16, 2023 | Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE CORP |
| Mar 2, 2022 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Mar 27, 2023 | Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC |
| May 27, 2021 | Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on File |
| Deed Sale | May 5, 2026 · Amount on File |
| Prior Sale | Jun 16, 2023 · Amount on File |
| Deed Book / Page | 14057 / 432 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 4085 STEPNEYS PL, INDIAN HEAD, MD 20640-1818 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0124230169 |
|---|---|
| Date | Mar 2, 2022 |
| Book Page | 12423/169 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 5, 2026 |
| Property Address | 4085 STEPNEYS PL, INDIAN HEAD, MD 20640-1818 |
| Document Number | 1405000432 |
| Book / Page | 14057 / 432 |
| Instrument Date | Apr 14, 2026 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2026 |
| Title Company | BRENNAN TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $358,550.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4085 STEPNEYS PL, INDIAN HEAD, MD 20640-1818 |
| Document Number | 1405000440, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 14057/440 |
| Name | MERIDIAN BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Number | 1405000460, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 14057/460 |
| Amount | Amount on Record |
|---|
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jun 16, 2023 |
| Property Address | 4085 STEPNEYS PL, INDIAN HEAD, MD 20640-1818 |
| Document Number | 0129680068 |
| Book / Page | 12968 / 68 |
| Map Reference | MB 61 FO 308 |
| Instrument Date | Jun 8, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2023 |
| Title Company | BUYERS TITLE, BUYERS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $849.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4085 STEPNEYS PL, INDIAN HEAD, MD 20640-1818 |
| Document Number | 0001296873 |
|---|---|
| Date | Jun 16, 2023 |
| Instrument | 12968/73 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 4085 STEPNEYS PL, INDIAN HEAD, MD 20640-1818 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0124230169 |
|---|---|
| Date | Mar 2, 2022 |
| Book Page | 12423/169 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Mar 27, 2023 |
| Property Address | 4085 STEPNEYS PL, INDIAN HEAD, MD 20640-1818 |
| Document Number | 0128870049 |
| Book / Page | 12887 / 49 |
| Map Reference | MB 61 FO 308 |
| Instrument Date | Mar 3, 2023 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 20, 2023 |
| Title Company | BUYERS TITLE, BUYERS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2905 PRESWOOD PL, INDIAN HEAD, MD 20640-4601 |
| Document Number | 0001288753 |
|---|---|
| Date | Mar 27, 2023 |
| Instrument | 12887/53 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 27, 2021 |
| Property Address | 4085 STEPNEYS PL, INDIAN HEAD, MD 20640-1818 |
| Document Number | 0118490412 |
| Book / Page | 11849 / 412 |
| Map Reference | MB 61 FO 308 |
| Instrument Date | May 14, 2021 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Title Company | BUYERS TITLE, BUYERS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 4085 STEPNEYS PL, INDIAN HEAD, MD 20640-1818 |
| Document Number | 0011849417 |
|---|---|
| Date | May 27, 2021 |
| Instrument | 11849/417 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
The 2025 property tax bill for 4085 Stepneys Pl was $10,238.
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Municipality | Indian Head Town |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $319,800 (+3.26%) | $340,000 (+9.78%) Land $70,200 Building $269,800 | |
| 2025 | $10,238.00 | $309,700 Land $70,200 Building $239,500 | $309,700 Land $70,200 Building $239,500 |
| 2023 | $2,744.00 (+75.22%) | $172,233 (+66.41%) | $309,700 (+199.23%) Land $70,200 Building $239,500 |
| 2022 | $1,566.00 | $103,500 Land $64,200 Building $39,300 | $103,500 Land $64,200 Building $39,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4085 Stepneys Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
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 |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2015 · river or lake flooding |
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 4085 Stepneys Pl 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 | Direct burnable vegetation |
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 | TOWN OF INDIAN HEAD serves 4,100 people · EPA ID MD0080020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 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 | None 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 158 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 |
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