4401 Cotuit Cir, Waldorf, MD 20601 Property Records

Charles County property record for 4401 Cotuit Cir, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,142 sqft · built 1971
Lot Size	0.316 acres (13,775 sqft)
Owner	2 Individual Names on File
Last Sale	$392,500 (May 2021)
Tax Bill	$5,898 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-009023`

Property Details

APN / Parcel Number

Primary APN	`08-009023`
Alternative APNs	`8009023` `009023`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,142 sqft Living Area
Gross Area	2,334 sqft
1st Floor Area	2,142 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,775 sqft (0.316 acres)

Exterior Amenities

Porch	Enclosed Porch
Deck Area	280 sqft
Patio Area	192 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	009023
Street Address	4401 COTUIT CIR
City	WALDORF
State	MD
Zip	20601-3243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	LOT 39 BLK L SEC 1 PINEFIELD SUB
Legal Subdivision	PINEFIELD SUB
Legal Block	L
Legal Lot Number	39
Jurisdiction	CHARLES MD
Township / Civil Division	8, BRYANTOWN
Census Block Group	4
Census Block	4004
Census Tract	850801

Owner

4401 Cotuit Cir is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4401 COTUIT CIR, WALDORF, MD 20601-3243
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Aug 5, 2019	Deed of Trust, Mortgage · FHA Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Mar 9, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 25, 2021	Deed, Transfer · FHA Mortgage MORTGAGE ONE SOLUTIONS INC
Nov 28, 2018	Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 18, 2018	Grant Deed, Transfer · Construction Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2021 · Amount on File
Deed Sale	May 25, 2021 · Amount on File
Prior Sale	Nov 28, 2018 · Amount on File
Deed Book / Page	11843 / 278
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4401 COTUIT CIR, WALDORF, MD 20601-3243
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0107340078
Date	Aug 5, 2019
Book Page	10734/078

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4401 COTUIT CIR, WALDORF, MD 20601-3243
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116720457
Date	Mar 9, 2021
Book Page	11672/457

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	Dec 1, 2049

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	May 25, 2021
Property Address	4401 COTUIT CIR, WALDORF, MD 20601-3243
Document Number	0118430278
Book / Page	11843 / 278
Map Reference	MB PCM 12 PL 14
Instrument Date	May 13, 2021
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	ATLAS TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,943.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4401 COTUIT CIR, WALDORF, MD 20601-3243

Mortgage

Document Number	11843285
Date	May 25, 2021
Instrument	11843/285

Lender

Name	MORTGAGE ONE SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Nov 28, 2018
Property Address	4401 COTUIT CIR, WALDORF, MD 20601-3243
Document Number	0104670224
Book / Page	10467 / 224
Map Reference	MB PCM12 PL14
Instrument Date	Nov 9, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4401 COTUIT CIR, WALDORF, MD 20601-3243

Mortgage

Document Number	0010467229
Date	Nov 28, 2018
Instrument	10467/229

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Jul 18, 2018
Property Address	4401 COTUIT CIR, WALDORF, MD 20601-3243
Document Number	0103320397
Book / Page	010332 / 000397
Instrument Date	Jul 5, 2018
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2120 WINDSOR DR #B SALISBURY MD 218017880, B, SALISBURY, MD 21801-7880

Mortgage

Document Number	103320402
Date	Jul 18, 2018
Book Page	010332/000402

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	BURKE, VA 22015

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 17, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 4401 Cotuit Cir was $5,898.

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		$456,600 Land $97,300 Building $359,300	$456,600 Land $97,300 Building $359,300
2025	$5,898.00
2023	$4,929.00	$349,600 Land $85,100 Building $264,500	$349,600 Land $85,100 Building $264,500

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

Flood

FEMA maps place 4401 Cotuit Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

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	3 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee

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 4401 Cotuit Cir is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 259 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cotuit Cir

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