Charles County property record for 4728 Monterey Ct, Waldorf, MD 20602
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 2.5 ba · 3,198 sqft · built 2009 |
| Lot Size | 0.194 acres (8,446 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $301,790 (May 2013) |
| Tax Bill | $772 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-328830 |
| Primary APN | 06-328830 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,198 sqft Gross Area |
| 1st Floor Area | 1,328 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,446 sqft (0.194 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 328830 |
|---|---|
| Street Address | 4728 MONTEREY CT |
| City | WALDORF |
| State | MD |
| Zip | 20602-5113 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | PUD |
| Legal Description | LOT G28 PAR G SHEFFIELD NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 1 |
| Legal Lot Number | G28 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 850904 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4728 MONTEREY CT, WALDORF, MD 20602-5113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2023 | Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC |
| Mar 9, 2021 | Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC |
| Apr 20, 2022 | Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC |
| Oct 17, 2019 | Loan Modification, Mortgage · Conventional with PMI LAKEVIEW LN SERVICING |
| Aug 3, 2017 | Intrafamily Transfer, Transfer · VA Mortgage SOVEREIGN LENDING GROUP INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2013 · Amount on Record |
| Deed Sale | May 1, 2013 · Amount on Record |
| Prior Sale | Feb 19, 2010 · Amount on Record |
| Deed Book / Page | 8195 / 363 |
| Last Transfer Date | Jul 18, 2017 |
| Transfer Doc | 0099330495 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 4728 MONTEREY CT, WALDORF, MD 20602-5113 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0128740407 |
|---|---|
| Date | Mar 13, 2023 |
| Book Page | 12874/407 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 4728 MONTEREY CT, WALDORF, MD 20602-5113 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0116700114 |
|---|---|
| Date | Mar 9, 2021 |
| Book Page | 11670/114 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 4728 MONTEREY CT, WALDORF, MD 20602-5113 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 4728 MONTEREY CT, WALDORF, MD 20602-5113 |
| Document Number | 0125110441 |
|---|---|
| Date | Apr 20, 2022 |
| Book Page | 12511/441 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 4728 MONTEREY CT, WALDORF, MD 20602-5113 |
| Document Number | 0109090318 |
| Instrument Date | Oct 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 4728 MONTEREY CT WALDORF MD 206025113, WALDORF, MD 20602-5113 |
| Document Number | 0109090318 |
|---|---|
| Date | Dec 10, 2019 |
| Book Page | 010909/000318 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 9, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Aug 3, 2017 |
| Property Address | 4728 MONTEREY CT, WALDORF, MD 20602-5113 |
| Document Number | 0099330495 |
| Book / Page | 9933 / 495 |
| Map Reference | MB56 PL373-385 |
| Instrument Date | Jul 18, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4728 MONTEREY CT, WALDORF, MD 20602-5113 |
| Document Number | 0009933500 |
|---|---|
| Date | Aug 3, 2017 |
| Instrument | 9933/500 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2047 |
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 | $470,333 (+4.06%) | $488,700 (-) Land $126,100 Building $362,600 | |
| 2025 | $772.00 (+404.58%) Homeowner's exemption | $451,967 (+11.66%) | $488,700 (+12.71%) Land $126,100 Building $362,600 |
| 2023 | $153.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $404,767 | $433,600 Land $126,100 Building $307,500 |
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 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 6 (2008–2024) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Jan 2024 · other causes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 392 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 |
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