Charles County property record for 5 Derby Dr, La Plata, MD 20646
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,252 sqft · built 2009 |
| Lot Size | 0.044 acres (1,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,900 (Mar 2021) |
| Tax Bill | $4,738 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-081691 |
| Primary APN | 01-081691 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,252 sqft Living Area |
| Gross Area | 1,692 sqft |
| 1st Floor Area | 416 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,920 sqft (0.044 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 142 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 081691 |
|---|---|
| Street Address | 5 DERBY DR |
| City | LA PLATA |
| State | MD |
| Zip | 20646-4346 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | MUD-2 |
| Legal Description | LOT 97 PLT 9 PH 1 TOWN OF LA PLATA THE VIL OF STEEPLECHASE |
| Legal Subdivision | THE VIL OF STEEPLECHASE |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 97 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 1, LA PLATA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 851001 |
5 Derby Dr, a townhouse, is owned by an individual who bought it in March 2021.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2804 ASHTON WAY, MCKINNEY, TX 75071-2788 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Mar 8, 2021 | Deed, Transfer · VA Mortgage TOWNEBANK MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 8, 2021 · Amount on File |
| Deed Sale | Mar 8, 2021 · Amount on File |
| Prior Sale | Jan 15, 2010 · Amount on File |
| Deed Book / Page | 11666 / 42 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 5 DERBY DR, LA PLATA, MD 20646-4346 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 5 DERBY DR, LA PLATA, MD 20646-4346 |
| Document Number | 0114540451 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 11454/451 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Mar 8, 2021 |
| Property Address | 5 DERBY DR, LA PLATA, MD 20646-4346 |
| Document Number | 0116660042 |
| Book / Page | 11666 / 42 |
| Map Reference | MB 57 FO 413 |
| Instrument Date | Feb 1, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | BUYERS TITLE, BUYERS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,249.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 5 DERBY DR, LA PLATA, MD 20646-4346 |
| Document Number | 0001166647 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 11666/47 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 5 Derby Dr was $4,738.
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Municipality | La Plata Town |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $329,200 Land $85,000 Building $244,200 | $329,200 Land $85,000 Building $244,200 | |
| 2025 | $4,738.00 | ||
| 2023 | $3,906.00 Homeowner's exemption | $258,000 Land $85,000 Building $173,000 | $258,000 Land $85,000 Building $173,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Derby Dr 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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 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 risk around 5 Derby Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF LA PLATA serves 11,535 people · EPA ID MD0080025 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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