4813 Tortoise Ct, Waldorf, MD 20601 Property Records

Charles County property record for 4813 Tortoise Ct, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	3 ba · 4,774 sqft · built 2020
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$570,441 (Dec 2020)
Tax Bill	$26,151 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-352056`

Property Details

APN / Parcel Number

Primary APN	`08-352056`
Alternative APN	`352056`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	4,774 sqft Living Area
Gross Area	5,342 sqft
1st Floor Area	2,634 sqft
Basement Area	2,140 sqft
Finished Basement	2,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	130,680 sqft
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	352056
Street Address	4813 TORTOISE CT
City	WALDORF
State	MD
Zip	20601-5531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	LOT 60 - 3.0001 AC TURTLE CREEK SUB
Legal Subdivision	TURTLE CREEK SUB
Legal Block	1
Legal Lot Number	60
Jurisdiction	CHARLES MD
Township / Civil Division	8, BRYANTOWN
Census Block Group	1
Census Block	1024
Census Tract	851403

Owner

4813 Tortoise Ct is owned and occupied by two individuals who bought it in December 2020.

Source: Charles County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4813 TORTOISE CT, WALDORF, MD 20601-5531
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Dec 23, 2020	Deed, Subdivision Related Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on File
Deed Sale	Dec 23, 2020 · Amount on File
Deed Book / Page	11512 / 441
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4813 TORTOISE CT, WALDORF, MD 20601-5531
Transaction Type	Mortgage
Record Updated	Apr 23, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0132500028
Date	Apr 5, 2024
Book Page	13250/28

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2034

December 2020: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Dec 23, 2020
Property Address	4813 TORTOISE CT, WALDORF, MD 20601-5531
Document Number	0115120441
Book / Page	11512 / 441
Map Reference	MB 59 PL 57
Instrument Date	Dec 1, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 16, 2021
Title Company	TITLEMAX LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,704.42
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4813 TORTOISE CT, WALDORF, MD 20601-5531

Mortgage

Document Number	11512450
Date	Dec 23, 2020
Instrument	11512/450

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4813 Tortoise Ct was $26,151 with a homeowner's exemption.

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Charles County
Unified School District	Charles County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$730,200 Land $150,000 Building $580,200	$730,200 Land $150,000 Building $580,200
2025	$26,151.00
2023	$9,679.00 Homeowner's exemption	$563,200 Land $140,000 Building $423,200	$563,200 Land $140,000 Building $423,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4813 Tortoise Ct 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	5 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

Wildfire risk around 4813 Tortoise Ct is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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