Charles County property record for 4508 Ladybug Pl, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,059 sqft · built 1974 |
| Lot Size | 0.368 acres (16,011 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $283,000 (Dec 2018) |
| Tax Bill | $10,646 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Apr 2017 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-008094 |
| Primary APN | 08-008094 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,059 sqft Living Area |
| Gross Area | 2,399 sqft |
| 1st Floor Area | 1,479 sqft |
| Basement Area | 580 sqft |
| Finished Basement | 580 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 16,011 sqft (0.368 acres) |
| Garage Type | Attached |
| Garage Area | 340 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 008094 |
|---|---|
| Street Address | 4508 LADYBUG PL |
| City | WALDORF |
| State | MD |
| Zip | 20602-3001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | IMPS LOT 1A B-C S-1 CHARLES CO GARDENS SUB |
| Legal Subdivision | CHARLES CO GARDENS SUB |
| Legal Block | C |
| Legal Lot Number | 1A |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 8, BRYANTOWN |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 850904 |
Source: Charles County records, as of September 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4508 LADYBUG PL, WALDORF, MD 20602-3001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 13, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Apr 11, 2017 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Oct 19, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Dec 10, 2018 | Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 10, 2018 · Amount on Record |
| Deed Sale | Dec 10, 2018 · Amount on Record |
| Prior Sale | Dec 11, 2002 · Amount on Record |
| Deed Book / Page | 10480 / 227 |
| Transfer Doc | 0050250646 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 4508 LADYBUG PL, WALDORF, MD 20602-3001 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4508 LADYBUG PL, WALDORF, MD 20602-3001 |
| Document Number | 0139600456 |
|---|---|
| Date | Feb 13, 2026 |
| Book Page | 13960/456 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 9, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 4508 LADYBUG PL, WALDORF, MD 20602-3001 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0097910243 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 9791/243 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 16, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 4508 LADYBUG PL, WALDORF, MD 20602-3001 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 4508 LADYBUG PL, WALDORF, MD 20602-3001 |
| Document Number | 0113840176 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 11384/176 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 4508 LADYBUG PL, WALDORF, MD 20602-3001 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0124540282 |
|---|---|
| Date | Mar 18, 2022 |
| Book Page | 12454/282 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Dec 10, 2018 |
| Property Address | 4508 LADYBUG PL, WALDORF, MD 20602-3001 |
| Document Number | 0104800227 |
| Book / Page | 10480 / 227 |
| Map Reference | LB46 FO66 |
| Instrument Date | Oct 29, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | BAYVIEW TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,122.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4508 LADYBUG PL, WALDORF, MD 20602-3001 |
| Document Number | 0010480236 |
|---|---|
| Date | Dec 10, 2018 |
| Instrument | 10480/236 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2048 |
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 | $372,900 (+6.45%) Land $118,500 Building $254,400 | $372,900 (-) Land $118,500 Building $254,400 | |
| 2025 | $10,646.00 (+145.3%) | $350,300 (+14.81%) | $372,900 (+22.22%) Land $118,500 Building $254,400 |
| 2023 | $4,340.00 | $305,100 Land $113,500 Building $191,600 | $305,100 Land $113,500 Building $191,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures