4409 Cotuit Cir, Waldorf, MD 20601 Property Records

Charles County property record for 4409 Cotuit Cir, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,086 sqft · built 1971
Lot Size	0.393 acres (17,129 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Jul 2026)
Tax Bill	$10,073 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-006814`

Property Details

APN / Parcel Number

Primary APN	`08-006814`
Alternative APNs	`8006814` `006814`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,086 sqft Living Area
Gross Area	2,730 sqft
1st Floor Area	1,318 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	17,129 sqft (0.393 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Pool Area	560 sqft
Deck Area	320 sqft
Patio Area	116 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	006814
Street Address	4409 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 35 BLK L SEC 1 PINEFIELD SUB
Legal Subdivision	PINEFIELD SUB
Legal Block	L
Legal Lot Number	35
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	4409 COTUIT CIR, WALDORF, MD 20601-3243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed, Transfer · FHA Mortgage NFM LENDING
Oct 3, 2017	Deed of Trust, Mortgage · VA Mortgage GREAT PLAINS NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2026 · Amount on Record
Deed Sale	Jul 9, 2026 · Amount on Record
Prior Sale	Dec 13, 2011 · Amount on Record
Deed Book / Page	14135 / 143
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Jul 9, 2026
Property Address	4409 COTUIT CIR, WALDORF, MD 20601-3243
Document Number	1413000143
Book / Page	14135 / 143
Instrument Date	Jun 29, 2026
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	CERTIFIED TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$505,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4409 COTUIT CIR, WALDORF, MD 20601-3243

Mortgage

Document Number	1413000151,
Date	Jul 9, 2026
Book Page	14135/151

Lender

Name	NFM LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

Mortgage

Document Number	1413000169,
Date	Jul 9, 2026
Book Page	14135/169

Lender

Name	NFM LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jul 1, 2036

Interest

Rate	6.53%
Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4409 COTUIT CIR, WALDORF, MD 20601-3243
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100150494
Date	Oct 3, 2017
Book Page	10015/494

Lender

Name	GREAT PLAINS NATIONAL BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73132

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

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		$361,600 (+7.46%) Land $99,000 Building $262,600	$361,600 (-) Land $99,000 Building $262,600
2025	$10,073.00 (+146.22%) Homeowner's exemption	$336,500 (+17.53%)	$361,600 (+26.3%) Land $99,000 Building $262,600
2023	$4,091.00 Homeowner's exemption	$286,300 Land $86,800 Building $199,500	$286,300 Land $86,800 Building $199,500

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

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