Charles County property record for 48 Derby Dr, La Plata, MD 20646
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 2,332 sqft · built 2018 |
| Lot Size | 0.051 acres (2,240 sqft) |
| Owner | Individual Name on File |
| Last Sale | $460,000 (Nov 2025) |
| Tax Bill | $21,067 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-082205 |
| Primary APN | 01-082205 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,332 sqft Living Area |
| Gross Area | 2,942 sqft |
| 1st Floor Area | 1,381 sqft |
| Basement Area | 951 sqft |
| Finished Basement | 951 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 2,240 sqft (0.051 acres) |
| Garage Type | Attached |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 119 sqft |
| Deck Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 082205 |
|---|---|
| Street Address | 48 DERBY DR |
| City | LA PLATA |
| State | MD |
| Zip | 20646-4355 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | MUD-2 |
| Legal Description | LOT 144A PLT 11 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 | 144 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 1, LA PLATA |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 851001 |
48 Derby Dr, a townhouse, is owned and occupied by an individual who bought it in November 2025.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 48 DERBY DR, LA PLATA, MD 20646-4355 |
| 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 |
|---|---|
| Nov 18, 2025 | Deed, Transfer · Conventional Mortgage NAVY FCU |
| Aug 12, 2020 | Deed of Trust, Mortgage · VA Mortgage WATERSTONE MORTGAGE CORP |
| Jun 26, 2018 | Deed, Transfer · VA Mortgage C&F MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 18, 2025 · Amount on File |
| Deed Sale | Nov 18, 2025 · Amount on File |
| Prior Sale | Jun 26, 2018 · Amount on File |
| Deed Book / Page | 13866 / 214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Nov 18, 2025 |
| Property Address | 48 DERBY DR, LA PLATA, MD 20646-4355 |
| Document Number | 0138660214 |
| Book / Page | 13866 / 214 |
| Map Reference | MB 60 FO 295 |
| Instrument Date | Oct 31, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2025 |
| Title Company | LIGHTHOUSE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,300.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 48 DERBY DR, LA PLATA, MD 20646-4355 |
| Document Number | 0138660220 |
|---|---|
| Date | Nov 18, 2025 |
| Book Page | 13866/220 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 48 DERBY DR, LA PLATA, MD 20646-4355 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | TRUSTED TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0112680481 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 11268/481 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jun 26, 2018 |
| Property Address | 48 DERBY DR, LA PLATA, MD 20646-4355 |
| Document Number | 0103080049 |
| Book / Page | 10308 / 049 |
| Map Reference | MB60 FO295 |
| Instrument Date | Jun 22, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,093.46 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 48 DERBY DR, LA PLATA, MD 20646-4355 |
| Document Number | 0001030854 |
|---|---|
| Date | Jun 26, 2018 |
| Instrument | 10308/54 |
| Name | C&F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 48 Derby Dr was $21,067.
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 | $459,500 (+4.32%) Land $85,000 Building $374,500 | $459,500 (-) Land $85,000 Building $374,500 | |
| 2025 | $21,067.00 | $440,467 | $459,500 Land $85,000 Building $374,500 |
| 2023 | $7,919.00 | $402,400 Land $85,000 Building $317,400 | $402,400 Land $85,000 Building $317,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Derby Dr 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 |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 48 Derby Dr 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 |
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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