Charles County property record for 426 Whirl Ln, La Plata, MD 20646
| Property Type | Townhouse |
|---|---|
| Lot Size | 0.042 acres (1,830 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $396,115 (May 2026) |
| Deeds & Mortgages | May 2026 Mortgage May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-362650 |
| Primary APN | 06-362650 |
|---|---|
| Alternative APN |
|
| Architectural Style | Townhouse |
|---|---|
| Lot Area | 1,830 sqft (0.042 acres) |
| Account Number | 362650 |
|---|---|
| Street Address | 426 WHIRL LN |
| City | LA PLATA |
| State | MD |
| Zip | 20646 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | TDX |
| Legal Description | LOT 220 PH 2 = 0.042 PINEGROVE NBHD A TOWN OF LA PLATA |
| Legal Subdivision | TOWN OF LA PLATA |
| Legal Phase | 2 |
| Legal Lot Number | 220 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 851004 |
Source: Charles County records, as of May 27, 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 | 426 WHIRL LN, LA PLATA, MD 20646-9446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage DHI TITLE |
| May 14, 2026 | Deed, Subdivision Related Transfer · FHA Mortgage DHI TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2026 · Amount on Record |
| Deed Sale | May 14, 2026 · Amount on Record |
| Deed Book / Page | 14070 / 290 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 14, 2026 |
| Property Address | 426 WHIRL LN, LA PLATA, MD 20646 |
| Document Number | 1407000301 |
| Book / Page | 14070 / 301 |
| Instrument Date | Mar 30, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | DHI TITLE |
| Name | Verified Name |
|---|---|
| Address | 426 WHIRL LN, LA PLATA, MD 20646 |
| Document Number | 1407000301, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 14070/301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 14, 2026 |
| Property Address | 426 WHIRL LN, LA PLATA, MD 20646 |
| Document Number | 1407000290 |
| Book / Page | 14070 / 290 |
| Instrument Date | Mar 30, 2026 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | DHI TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400,076.15 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 426 WHIRL LN, LA PLATA, MD 20646 |
| Document Number | 1407000301, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 14070/301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Charles County assessment roll, as of September 22, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Municipality | La Plata Town |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $357,033 (+346.29%) | $384,800 (+381%) Land $95,000 Building $289,800 |
| 2025 | $80,000 Land $80,000 | $80,000 Land $80,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Fiber · Cable | 2,000 / 2,000 |
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