Charles County property record for 4504 Ladybug Pl, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,481 sqft · built 1958 |
| Lot Size | 0.379 acres (16,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Mar 2018) |
| Tax Bill | $10,123 (2025) |
| Deeds & Mortgages | Mar 2018 Sale & Mortgage Aug 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-030057 |
| Primary APN | 08-030057 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,481 sqft Living Area |
| Gross Area | 3,209 sqft |
| 1st Floor Area | 1,432 sqft |
| Basement Area | 1,049 sqft |
| Finished Basement | 1,049 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 16,500 sqft (0.379 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 260 sqft |
|---|---|
| Patio Area | 396 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 030057 |
|---|---|
| Street Address | 4504 LADYBUG PL |
| City | WALDORF |
| State | MD |
| Zip | 20602-3001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | LOT 2 BLK C SEC 1 CHARLES CO GARDENS SUB |
| Legal Subdivision | CHARLES CO GARDENS SUB |
| Legal Block | C |
| Legal Lot Number | 2 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 8, BRYANTOWN |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 850904 |
4504 Ladybug Pl is owned and occupied by two individuals who bought it in March 2018.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4504 LADYBUG PL, WALDORF, MD 20602-3001 |
| 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.
| Date | Document |
|---|---|
| Mar 27, 2018 | Grant Deed, Transfer EMBRACE HM LOANS |
| Aug 30, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2018 · Amount on File |
| Deed Sale | Mar 27, 2018 · Amount on File |
| Prior Sale | Sep 2, 2003 |
| Deed Book / Page | 10212 / 266 |
| Transfer Doc | 0043060235 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Mar 27, 2018 |
| Property Address | 4504 LADYBUG PL, WALDORF, MD 20602-3001 |
| Document Number | 0102120266 |
| Book / Page | 010212 / 000266 |
| Instrument Date | Feb 2, 2018 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2018 |
| Title Company | CHOICE SETTLEMENT GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4504 LADYBUG PL WALDORF MD 206023001, WALDORF, MD 20602-3001 |
| Document Number | 102120276 |
|---|---|
| Date | Mar 27, 2018 |
| Book Page | 010212/000276 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 26, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 4504 LADYBUG PL, WALDORF, MD 20602-3001 |
| Document Number | 0100160469 |
| Instrument Date | Aug 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | DAWSON LAW AND TITLE |
| Name | Verified Name |
|---|---|
| Address | 4504 LADYBUG PL WALDORF MD 206023001, WALDORF, MD 20602-3001 |
| Document Number | 0100160469 |
|---|---|
| Date | Oct 4, 2017 |
| Book Page | 010016/000469 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 3, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 4504 Ladybug Pl was $10,123.
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $353,000 (+6.83%) Land $118,700 Building $234,300 | $353,000 (-) Land $118,700 Building $234,300 | |
| 2025 | $10,123.00 | $330,433 | $353,000 Land $118,700 Building $234,300 |
| 2023 | $4,078.00 | $285,300 Land $113,700 Building $171,600 | $285,300 Land $113,700 Building $171,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4504 Ladybug Pl in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 4504 Ladybug Pl 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARLES COUNTY GARDENS WATER private · serves 551 people · EPA ID MD0080008 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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