4285 Ray Dr, La Plata, MD 20646 Property Records

Charles County property record for 4285 Ray Dr, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,424 sqft · built 1952
Lot Size	2.03 acres (88,427 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,500 (Nov 2025)
Tax Bill	$8,940 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-042108`

Property Details

APN / Parcel Number

Primary APN	`07-042108`
Alternative APNs	`7042108` `042108`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,424 sqft Living Area
Gross Area	2,624 sqft
1st Floor Area	1,644 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	88,427 sqft
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	042108
Street Address	4285 RAY DR
City	LA PLATA
State	MD
Zip	20646-5832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WCD
Legal Description	PAR 4 = 2.031 AC RAY ESTATES SUB
Legal Subdivision	RAY ESTATES SUB
Legal Block	1
Legal Lot Number	4
Jurisdiction	CHARLES MD
Township / Civil Division	7, POMONKEY
Census Block Group	1
Census Block	1006
Census Tract	850102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4285 RAY DR, LA PLATA, MD 20646-5832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Jul 19, 2022	Deed, Transfer · Conventional Mortgage SANDY SPRING BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Jul 19, 2022 · Amount on Record
Deed Book / Page	13856 / 348
Record Updated	Oct 29, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Nov 7, 2025
Property Address	4285 RAY DR, LA PLATA, MD 20646-5832
Document Number	0138560348
Book / Page	13856 / 348
Map Reference	MB 24 FO 170
Instrument Date	Oct 30, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	BUYERS TITLE, BUYERS TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,662.50
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 by the Entirety
Address	4285 RAY DR, LA PLATA, MD 20646-5832
Investor	Possibly a Property Investor

Mortgage

Document Number	0013856352
Date	Nov 7, 2025
Instrument	13856/352

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Jul 19, 2022
Property Address	4285 RAY DR, LA PLATA, MD 20646-5832
Document Number	0126360076
Book / Page	12636 / 76
Map Reference	MB 24 FO 170
Instrument Date	Jul 6, 2022
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	BUYERS TITLE, BUYERS TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4285 RAY DR, LA PLATA, MD 20646-5832

Mortgage

Document Number	0001263681
Date	Jul 19, 2022
Instrument	12636/81

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

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		$302,833 (+9.56%)	$355,700 (+28.69%) Land $131,100 Building $224,600
2025	$8,940.00 (+155.65%)	$276,400 (+16.66%) Land $86,100 Building $190,300	$276,400 (-) Land $86,100 Building $190,300
2023	$3,497.00	$236,933	$276,400 Land $86,100 Building $190,300

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

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Nearby Properties on Ray Dr

Nearby Streets

All La Plata, MD Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures