4908 Dower Dr, #A, La Plata, MD 20646 Property Records

Charles County property record for 4908 Dower Dr, #A, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,694 sqft · built 1975
Lot Size	1.53 acres (67,082 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Mar 2022)
Tax Bill	$13,065 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-042244`

Property Details

APN / Parcel Number

Primary APN	`06-042244`
Alternative APNs	`6042244` `042244`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,694 sqft Living Area
Gross Area	3,855 sqft
1st Floor Area	1,794 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	67,082 sqft
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	480 sqft
Deck Area	120 sqft
Patio Area	585 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	042244
Street Address	4908 DOWER DR, A
City	LA PLATA
State	MD
Zip	20646-2839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	LOT 3 SEC 1 HILLWOOD SUB
Legal Subdivision	HILLWOOD SUB
Legal Block	3
Legal Lot Number	3
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	3
Census Block	3009
Census Tract	850600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4908 DOWER DR, LA PLATA, MD 20646-2839
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION
Mar 22, 2022	Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Sep 19, 2017	Deed, Transfer · VA Mortgage HOWARD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2022 · Amount on Record
Deed Sale	Mar 22, 2022 · Amount on Record
Prior Sale	Sep 19, 2017 · Amount on Record
Deed Book / Page	12459 / 371
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Recording Date	Jun 26, 2026
Property Address	4908 DOWER DR, A, LA PLATA, MD 20646-2839
Document Number	1412000390
Book / Page	14120 / 390
Instrument Date	Jun 18, 2026
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4908 DOWER DR, A, LA PLATA, MD 20646-2839

Mortgage

Document Number	1412000390,
Date	Jun 26, 2026
Book Page	14120/390

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 3, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Mar 22, 2022
Property Address	4908 DOWER DR # A, A, LA PLATA, MD 20646-2839
Document Number	0124590371
Book / Page	12459 / 371
Map Reference	MB 21 FO 102
Instrument Date	Feb 25, 2022
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4908 DOWER DR # A, A, LA PLATA, MD 20646-2839

Mortgage

Document Number	0012459379
Date	Mar 22, 2022
Instrument	12459/379

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Sep 19, 2017
Property Address	4908 DOWER DR # A, A, LA PLATA, MD 20646-2839
Document Number	0099950464
Book / Page	9995 / 464
Map Reference	MB21 FO102
Instrument Date	Sep 5, 2017
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	BAYVIEW TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	4908A DOWER DR, LA PLATA, MD 20646-2839

Mortgage

Document Number	0009995470
Date	Sep 19, 2017
Instrument	9995/470

Lender

Name	HOWARD BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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		$451,333 (+27.16%)	$488,000 (+12.7%) Land $180,400 Building $307,600
2025	$13,065.00 (+158.2%)
2023	$5,060.00	$354,933	$433,000 Land $130,400 Building $302,600

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

Flood

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	2 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2020 · other causes

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

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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Dower Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures