413 Garner Ave, Waldorf, MD 20602 Property Records

Charles County property record for 413 Garner Ave, Waldorf, MD 20602

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,410 sqft · built 1970
Lot Size	0.236 acres (10,290 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Aug 2020)
Tax Bill	$4,064 (2023)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-005721`

Property Details

APN / Parcel Number

Primary APN	`06-005721`
Alternative APNs	`6005721` `005721`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,410 sqft Living Area
Gross Area	2,450 sqft
1st Floor Area	1,450 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,290 sqft (0.236 acres)
Garage Type	Carport
Garage Area	250 sqft
Carport	Carport
Carport Area	250 sqft
Parking Spaces	1 Parking Space
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	005721
Street Address	413 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 7 B 41 S 3-A CARRINGTON NEIGHBORHOOD ST CHARLES SUB
Legal Subdivision	ST CHARLES SUB
Legal Block	41
Legal Lot Number	7
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1011
Census Tract	850902

Owner

413 Garner Ave is owned and occupied by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	413 GARNER AVE, WALDORF, MD 20602-2944
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2020 · Amount on File
Deed Sale	Aug 17, 2020 · Amount on File
Deed Book / Page	11275 / 440
Record Updated	Oct 29, 2026

August 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	CHARLES MD
Recording Date	Aug 17, 2020
Property Address	413 GARNER AVE, WALDORF, MD 20602-2944
Document Number	0112750440
Book / Page	11275 / 440
Map Reference	MB 11 PL 19
Instrument Date	Aug 3, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	INTERSTATE T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	413 GARNER AVE, WALDORF, MD 20602-2944

Mortgage

Document Number	11275446
Date	Aug 17, 2020
Instrument	11275/446

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Charles County
Unified School District	Charles County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$333,933	$348,700 Land $125,000 Building $223,700
2023	$4,064.00	$284,267	$304,400 Land $125,000 Building $179,400

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

Flood

FEMA maps place 413 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	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.

Wildfire

Wildfire risk around 413 Garner Ave 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 Risk	Low lower than 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

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