Charles County property record for 412 Garner Ave, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,610 sqft · built 1971 |
| Lot Size | 0.213 acres (9,292 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $308,000 (Sep 2020) |
| Tax Bill | $9,888 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-019366 |
| Primary APN | 06-019366 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,610 sqft Living Area |
| 1st Floor Area | 928 sqft |
| Basement Area | 682 sqft |
| Finished Basement | 682 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,292 sqft (0.213 acres) |
| Deck Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 019366 |
|---|---|
| Street Address | 412 GARNER AVE |
| City | WALDORF |
| State | MD |
| Zip | 20602-2943 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | L-18 B-39 S-3-A CARRINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 39 |
| Legal Lot Number | 18 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 850902 |
412 Garner Ave is owned and occupied by two individuals who bought it in September 2020.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 412 GARNER AVE, WALDORF, MD 20602-2943 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 |
|---|---|
| Sep 17, 2020 | Deed, Transfer · Conventional Mortgage PENTAGON FCU |
| May 2, 2017 | Deed, Transfer · VA Mortgage C & F MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2020 · Amount on File |
| Deed Sale | Sep 17, 2020 · Amount on File |
| Prior Sale | May 2, 2017 · Amount on File |
| Deed Book / Page | 11327 / 190 |
| Transfer Doc | 0000083197 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Sep 17, 2020 |
| Property Address | 412 GARNER AVE, WALDORF, MD 20602-2943 |
| Document Number | 0113270190 |
| Book / Page | 11327 / 190 |
| Map Reference | MB 11 FO 19 |
| Instrument Date | Aug 17, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | WORLDWIDE SETTLEMENTS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 412 GARNER AVE, WALDORF, MD 20602-2943 |
| Document Number | 11327197 |
|---|---|
| Date | Sep 17, 2020 |
| Instrument | 11327/197 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 2, 2017 |
| Property Address | 412 GARNER AVE, WALDORF, MD 20602-2943 |
| Document Number | 0098140093 |
| Book / Page | 9814 / 093 |
| Map Reference | MB11 FO19 |
| Instrument Date | Apr 21, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | BUYERS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 412 GARNER AVE, WALDORF, MD 20602-2943 |
| Document Number | 0000981499 |
|---|---|
| Date | May 2, 2017 |
| Instrument | 9814/99 |
| Name | C & F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 412 Garner Ave was $9,888 with a homeowner's exemption.
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 | $351,000 | $363,800 Land $120,000 Building $243,800 | |
| 2025 | $9,888.00 | ||
| 2023 | $4,018.00 Homeowner's exemption | $298,300 | $325,400 Land $120,000 Building $205,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 412 Garner Ave in Zone X, an area of minimal flood risk.
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 | 1 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.
The area around 412 Garner Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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 |
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