4402 Cotuit Cir, Waldorf, MD 20601 Property Records

Charles County property record for 4402 Cotuit Cir, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,898 sqft · built 1971
Lot Size	0.272 acres (11,856 sqft)
Owner	2 Individual Names on Record
Last Sale	$401,000 (Oct 2021)
Tax Bill	$5,046 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-000735`

Property Details

APN / Parcel Number

Primary APN	`08-000735`
Alternative APNs	`8000735` `000735`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,898 sqft Living Area
1st Floor Area	1,898 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	11,856 sqft (0.272 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	000735
Street Address	4402 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 31 BLK L SEC 1 PINEFIELD SUB
Legal Subdivision	PINEFIELD SUB
Legal Block	L
Legal Lot Number	31
Jurisdiction	CHARLES MD
Township / Civil Division	8, BRYANTOWN
Census Block Group	4
Census Block	4004
Census Tract	850801

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	4402 COTUIT CIR, WALDORF, MD 20601-3243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed, Transfer · VA Mortgage TOWNEBANK MORTGAGE
Aug 27, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 11, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2021 · Amount on Record
Deed Sale	Oct 18, 2021 · Amount on Record
Deed Book / Page	12141 / 24
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Oct 18, 2021
Property Address	4402 COTUIT CIR, WALDORF, MD 20601-3243
Document Number	0121410024
Book / Page	12141 / 24
Map Reference	MB PCM 12 PL 14
Instrument Date	Jul 15, 2021
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,007.50
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	4402 COTUIT CIR, WALDORF, MD 20601-3243

Mortgage

Document Number	1214130
Date	Oct 18, 2021
Instrument	12141/30

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4402 COTUIT CIR, WALDORF, MD 20601-3243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0112890175
Date	Aug 27, 2020
Book Page	11289/175

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Mar 11, 2019
Property Address	4402 COTUIT CIR, WALDORF, MD 20601-3243
Document Number	0105610476
Book / Page	010561 / 000476
Instrument Date	Feb 22, 2019
Transaction Type	Transfer
Record Updated	Mar 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4402 COTUIT CIR WALDORF MD 206013243, WALDORF, MD 20601-3243

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		$406,800 (+59.47%) Land $96,400 Building $310,400	$406,800 (+59.47%) Land $96,400 Building $310,400
2025	$5,046.00 (+37.19%)
2023	$3,678.00	$255,100 Land $84,200 Building $170,900	$255,100 Land $84,200 Building $170,900

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	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

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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