4818 Tortoise Ct, Waldorf, MD 20601 Property Records

Charles County property record for 4818 Tortoise Ct, Waldorf, MD 20601

Property Summary

Property Type	Exempt (Full or Partial)
Details	3.5 ba · 4,726 sqft · built 2018
Lot Size	3 acres (130,854 sqft)
Owner	2 Individual Names on File
Last Sale	$516,380 (Jul 2018)
Tax Bill	$8,986 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-352061`

Property Details

APN / Parcel Number

Primary APN	`08-352061`
Alternative APN	`352061`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,726 sqft Gross Area
1st Floor Area	2,894 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 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	130,854 sqft
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	352061
Street Address	4818 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 65 - 3.0036 AC TURTLE CREEK SUB
Legal Subdivision	TURTLE CREEK SUB
Legal Block	1
Legal Lot Number	65
Jurisdiction	CHARLES MD
Township / Civil Division	8, BRYANTOWN
Census Block Group	1
Census Block	1024
Census Tract	851403

Owner

4818 Tortoise Ct is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4818 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
Jan 27, 2020	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jun 25, 2019	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Dec 17, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 31, 2018	Deed, Transfer · VA Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2018 · Amount on File
Deed Sale	Jul 31, 2018 · Amount on File
Deed Book / Page	10345 / 412
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4818 TORTOISE CT, WALDORF, MD 20601-5531
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109750001
Date	Jan 27, 2020
Book Page	10975/001

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4818 TORTOISE CT, WALDORF, MD 20601-5531
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	POWERHOUSE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0106860049
Date	Jun 25, 2019
Book Page	10686/049

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Feb 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4818 TORTOISE CT, WALDORF, MD 20601-5531
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0114960405
Date	Dec 17, 2020
Book Page	11496/405

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Mar 1, 2050

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Jul 31, 2018
Property Address	4818 TORTOISE CT, WALDORF, MD 20601-5531
Document Number	0103450412
Book / Page	10345 / 412
Map Reference	MB59 PG53-57
Instrument Date	Jul 20, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	BRENNAN TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,163.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4818 TORTOISE CT, WALDORF, MD 20601-5531

Mortgage

Document Number	0010345421
Date	Jul 31, 2018
Instrument	10345/421

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4818 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		$720,000 Land $150,000 Building $570,000	$720,000 Land $150,000 Building $570,000
2025	$8,986.00
2023	$9,718.00	$556,100 Land $140,000 Building $416,100	$556,100 Land $140,000 Building $416,100

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

Flood

FEMA maps place 4818 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 4818 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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