Charles County property record for 47 Derby Dr, La Plata, MD 20646
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 1,980 sqft · built 2012 |
| Lot Size | 0.028 acres (1,210 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $395,000 (May 2025) |
| Tax Bill | $10,891 (2025) |
| Deeds & Mortgages | Nov 2020 Loan Modification Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-082078 |
| Primary APN | 01-082078 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,980 sqft Living Area |
| Gross Area | 2,420 sqft |
| 1st Floor Area | 396 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,210 sqft (0.028 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 082078 |
|---|---|
| Street Address | 47 DERBY DR |
| City | LA PLATA |
| State | MD |
| Zip | 20646-4356 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | MUD-2 |
| Legal Description | LOT 131 PLT 10 PH 1 TOWN OF LA PLATA THE VIL OF STEEPLECHASE |
| Legal Subdivision | THE VIL OF STEEPLECHASE |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 131 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 1, LA PLATA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 851001 |
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 | 47 DERBY DR, LA PLATA, MD 20646-4356 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 24, 2020 | Loan Modification, Mortgage · VA Mortgage HOME PT FIN'L |
| Sep 20, 2018 | Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2025 · Amount on Record |
| Deed Sale | May 20, 2025 · Amount on Record |
| Prior Sale | Sep 20, 2018 · Amount on Record |
| Deed Book / Page | 13664 / 282 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 47 DERBY DR, LA PLATA, MD 20646-4356 |
| Document Number | 0115300025 |
| Instrument Date | Nov 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 47 DERBY DR LA PLATA MD 206464356, LA PLATA, MD 20646-4356 |
| Document Number | 0115300025 |
|---|---|
| Date | Jan 7, 2021 |
| Book Page | 011530/000025 |
| Name | HOME PT FIN'L |
|---|---|
| Address | FARMERS BRANCH, TX 75234 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 6, 2051 |
| Rate | 3.62% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Sep 20, 2018 |
| Property Address | 47 DERBY DR, LA PLATA, MD 20646-4356 |
| Document Number | 0104010137 |
| Book / Page | 10401 / 137 |
| Map Reference | MB57 FO414 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | CARDINAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,145.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 47 DERBY DR, LA PLATA, MD 20646-4356 |
| Document Number | 0010401145 |
|---|---|
| Date | Sep 20, 2018 |
| Instrument | 10401/145 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Municipality | La Plata Town |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $370,000 (+20.09%) Land $85,000 Building $285,000 | $370,000 (+20.09%) Land $85,000 Building $285,000 | |
| 2025 | $10,891.00 (+133.76%) | ||
| 2023 | $4,659.00 Homeowner's exemption | $308,100 Land $85,000 Building $223,100 | $308,100 Land $85,000 Building $223,100 |
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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 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 |
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 | TOWN OF LA PLATA serves 11,535 people · EPA ID MD0080025 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 353 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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