4817 Tortoise Ct, Waldorf, MD 20601 Property Records

Charles County property record for 4817 Tortoise Ct, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,176 sqft · built 2016
Lot Size	3 acres (131,072 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Oct 2016)
Tax Bill	$24,795 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-352055`

Property Details

APN / Parcel Number

Primary APN	`08-352055`
Alternative APN	`352055`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,176 sqft Living Area
Gross Area	4,625 sqft
1st Floor Area	2,320 sqft
Basement Area	1,856 sqft
Finished Basement	1,856 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	131,072 sqft
Garage Type	Attached
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Deck Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	352055
Street Address	4817 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 59 - 3.0087 AC TURTLE CREEK SUB
Legal Subdivision	TURTLE CREEK SUB
Legal Block	1
Legal Lot Number	59
Jurisdiction	CHARLES MD
Township / Civil Division	8, BRYANTOWN
Census Block Group	1
Census Block	1024
Census Tract	851403

Owner

4817 Tortoise Ct is owned and occupied by two individuals who bought it in October 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	4817 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
Aug 19, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Feb 24, 2017	Deed of Trust, Mortgage OLD LINE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2016 · Amount on File
Deed Sale	Oct 31, 2016 · Amount on File
Deed Book / Page	9579 / 197
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4817 TORTOISE CT, WALDORF, MD 20601-5531
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4817 TORTOISE CT, WALDORF, MD 20601-5531

Mortgage

Document Number	0126710462
Date	Aug 19, 2022
Book Page	12671/462

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 18, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4817 TORTOISE CT, WALDORF, MD 20601-5531
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4817 TORTOISE CT, WALDORF, MD 20601-5531

Mortgage

Document Number	0121480104
Date	Oct 20, 2021
Book Page	12148/104

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4817 TORTOISE CT, WALDORF, MD 20601-5531
Document Number	0097540234
Book / Page	009754 / 000234
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017
Title Company	TITLE EXCELLENCE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4817 TORTOISE CT WALDORF MD 206015531, WALDORF, MD 20601-5531

Mortgage

Document Number	0097540234
Date	Mar 7, 2017
Book Page	009754/000234

Lender

Name	OLD LINE BK
Type	Bank
Address	BOWIE, MD 20716

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4817 Tortoise Ct was $24,795.

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		$657,100 Land $150,000 Building $507,100	$657,100 Land $150,000 Building $507,100
2025	$24,795.00
2023	$8,809.00	$502,300 Land $140,000 Building $362,300	$502,300 Land $140,000 Building $362,300

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

Flood

FEMA maps place 4817 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 4817 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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