4814 Tortoise Ct, Waldorf, MD 20601 Property Records

Charles County property record for 4814 Tortoise Ct, Waldorf, MD 20601

Property Summary

Property Type	Exempt (Full or Partial)
Details	2.5 ba · 5,313 sqft · built 2018
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$573,870 (Dec 2018)
Tax Bill	$8,986 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-352060`

Property Details

APN / Parcel Number

Primary APN	`08-352060`
Alternative APN	`352060`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,313 sqft Gross Area
1st Floor Area	1,804 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	130,680 sqft
Garage Type	Attached
Garage Area	874 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	118 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	352060
Street Address	4814 TORTOISE CT
City	WALDORF
State	MD
Zip	20601-5531
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	AC
Legal Description	LOT 64 - 3.0003 AC TURTLE CREEK SUB
Legal Subdivision	TURTLE CREEK SUB
Legal Block	1
Legal Lot Number	64
Jurisdiction	CHARLES MD
Township / Civil Division	8, BRYANTOWN
Census Block Group	1
Census Block	1024
Census Tract	851403

Owner

4814 Tortoise Ct is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4814 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
Jul 23, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Dec 13, 2018	Grant Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2018 · Amount on File
Deed Sale	Dec 13, 2018 · Amount on File
Deed Book / Page	10483 / 331
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4814 TORTOISE CT, WALDORF, MD 20601-5531
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0119600372
Date	Jul 23, 2021
Book Page	11960/372

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Dec 13, 2018
Property Address	4814 TORTOISE CT, WALDORF, MD 20601-5531
Document Number	0104830331
Book / Page	010483 / 000331
Instrument Date	Nov 27, 2018
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	BRENNAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$573.87
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4814 TORTOISE CT WALDORF MD 206015531, WALDORF, MD 20601-5531

Mortgage

Document Number	104830340
Date	Dec 13, 2018
Book Page	010483/000340

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4814 Tortoise Ct was $8,986 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		$768,100 Land $150,000 Building $618,100	$768,100 Land $150,000 Building $618,100
2025	$8,986.00
2023	$10,367.00 Homeowner's exemption	$605,100 Land $140,000 Building $465,100	$605,100 Land $140,000 Building $465,100

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

Flood

FEMA maps place 4814 Tortoise Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 4814 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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