528 Clarks Run Rd, La Plata, MD 20646 Property Records

Charles County property record for 528 Clarks Run Rd, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,352 sqft · built 1979
Lot Size	0.976 acres (42,514 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Jun 2026)
Tax Bill	$11,497 (2025)
Deeds & Mortgages	May 2022 Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-032437`

Property Details

APN / Parcel Number

Primary APN	`01-032437`
Alternative APNs	`1032437` `032437`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,352 sqft Living Area
Gross Area	3,216 sqft
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	42,514 sqft (0.976 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	032437
Street Address	528 CLARKS RUN RD
City	LA PLATA
State	MD
Zip	20646-9515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-21
Legal Description	L-153 CLARKS RUN SUB-LA PLATA
Legal Subdivision	CLARKS RUN SUB
Legal Block	1
Legal Lot Number	153
Jurisdiction	CHARLES MD
Township / Civil Division	1, LA PLATA
Census Block Group	1
Census Block	1016
Census Tract	851003

Owner

528 Clarks Run Rd is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	528 CLARKS RUN RD, LA PLATA, MD 20646-9515
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
May 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage ENCOMPASS LENDING GROUP LP
Jun 10, 2026	Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Dec 26, 2025	Deed, Construction Loan · Construction Mortgage RFLF 4 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on File
Deed Sale	Jun 10, 2026 · Amount on File
Prior Sale	Dec 26, 2025 · Amount on File
Deed Book / Page	14103 / 44
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	528 CLARKS RUN RD, LA PLATA, MD 20646-9515
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 CLARKS RUN RD, LA PLATA, MD 20646-9515

Mortgage

Document Number	0125440189
Date	May 10, 2022
Book Page	12544/189

Lender

Name	ENCOMPASS LENDING GROUP LP
Type	Mortgage Company
Address	KATY, TX 77494

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Jun 10, 2026
Property Address	528 CLARKS RUN RD, LA PLATA, MD 20646-9515
Document Number	1410000044
Book / Page	14103 / 44
Instrument Date	Apr 28, 2026
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	ENDEAVOR TITLE LLC, ENDEAVOR TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530,250.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	528 CLARKS RUN RD, LA PLATA, MD 20646-9515

Mortgage

Document Number	1410000053,
Date	Jun 10, 2026
Book Page	14103/53

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Deed, Construction Loan

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Dec 26, 2025
Property Address	528 CLARKS RUN RD, LA PLATA, MD 20646-9515
Document Number	0139100390
Book / Page	13910 / 390
Map Reference	MB 25 FO 118
Instrument Date	Dec 4, 2025
Transaction Type	Construction Loan
Record Updated	Jan 20, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	528 CLARKS RUN RD, LA PLATA, MD 20646-9515

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	8705 PENNS HILL RD, LA PLATA, MD 20646-4475

Mortgage

Document Number	0013910397
Date	Dec 26, 2025
Instrument	13910/397

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	13 Months
Due	Jan 1, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 528 Clarks Run Rd was $11,497.

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$395,100 (+6.55%) Land $109,300 Building $285,800	$395,100 (-) Land $109,300 Building $285,800
2025	$11,497.00 Homeowner's exemption	$370,800	$395,100 Land $109,300 Building $285,800
2023	$4,871.00 Homeowner's exemption	$322,200 Land $109,300 Building $212,900	$322,200 Land $109,300 Building $212,900

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

Flood

FEMA maps place 528 Clarks Run Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 528 Clarks Run Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 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

Cell Coverage

5G (outdoors only) and 4G LTE

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