4975 Prather Pl, La Plata, MD 20646 Property Records

Charles County property record for 4975 Prather Pl, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,812 sqft · built 2002
Lot Size	1.62 acres (70,567 sqft)
Owner	2 Owner Names on File
Last Sale	$375,200 (Aug 2002)
Tax Bill	$6,504 (2023)
Deeds & Mortgages	Sep 2023 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-281443`

Property Details

APN / Parcel Number

Primary APN	`06-281443`
Alternative APNs	`6281443` `281443`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,812 sqft Total Area
1st Floor Area	2,356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	70,567 sqft (1.62 acres)
Garage Type	Built-in
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	281443
Old Parcel Number	6281443
Street Address	4975 PRATHER PL
City	LA PLATA
State	MD
Zip	20646-2805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LT 20 PLT 2=1.62 AC HAWKSBURY SUB
Legal Subdivision	HAWKSBURY SUB
Legal Lot Number	20
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	3
Census Block	3002
Census Tract	850600

Owner

Source: Charles County records · APN 06-281443

Assessment roll updated July 1, 2023 · Last verified November 2023

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

Owner of Record	2 Owner Names on File
Mailing Address	4975 PRATHER PL, LA PLATA, MD 20646-2805

Deeds, Mortgages & Sale History

Date	Document
Sep 06, 2023	Deed of Trust, Mortgage · Line of Credit ABERDEEN FCU
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 14, 2002 · Amount on Record
Deed Sale	Aug 14, 2002 · Amount on Record
Deed Document Number	199102
Deed Book / Page	3655 / 106
Record Updated	Jun 07, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4975 PRATHER PL, LA PLATA, MD 20646-2805
Transaction Type	Mortgage
Record Updated	Sep 20, 2023
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4975 PRATHER PL, LA PLATA, MD 20646-2805

Mortgage

Document Number	0130450047
Date	Sep 06, 2023
Book Page	13045/47

Lender

Name	ABERDEEN FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	4975 PRATHER PL, LA PLATA, MD 20646-2805
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0117760409
Date	Apr 26, 2021
Book Page	11776/409

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 01, 2041

Tax Assessment & Valuation

Source: Charles County records · Assessment roll updated July 1, 2023 · Last verified November 2023

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$6,504.00	$463,967	$517,900 Land $131,200 Building $386,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 20 locations within half a mile of this property.

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