Charles County property record for 5402 Topsmelt Ct, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,736 sqft · built 1995 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Sep 2018) |
| Tax Bill | $5,140 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Sep 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-227643 |
| Primary APN | 06-227643 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,736 sqft Living Area |
| Gross Area | 2,012 sqft |
| 1st Floor Area | 904 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 4,500 sqft (0.103 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 227643 |
|---|---|
| Street Address | 5402 TOPSMELT CT |
| City | WALDORF |
| State | MD |
| Zip | 20603-4777 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LT 20 PAR B PLAT 3 DORCHESTER NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 2 |
| Legal Lot Number | 20 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 851502 |
5402 Topsmelt Ct is owned by two individuals who acquired it in July 2021.
Source: Charles County records, as of September 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 536, LA PLATA, MD 20646-0536 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 12, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage NAVY FCU |
| Sep 26, 2018 | Grant Deed, Subdivision Related Transfer NAVY FCU |
| Jul 26, 2018 | Grant Deed, Transfer FOOTE TITLE GROUP |
| May 24, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2018 · Amount on File |
| Deed Sale | Sep 26, 2018 · Amount on File |
| Prior Sale | Jul 26, 2018 · Amount on File |
| Deed Book / Page | 10407 / 118 |
| Last Transfer Date | Jul 14, 2021 |
| Transfer Doc | 0120030453 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Aug 12, 2021 |
| Property Address | 5402 TOPSMELT CT, WALDORF, MD 20603-4777 |
| Document Number | 0120030453 |
| Book / Page | 12003 / 453 |
| Map Reference | MB 45 PL 156 |
| Instrument Date | Jul 14, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5550 HERITAGE OAKS DR, PENSACOLA, FL 32526-7859 |
| Document Number | 0012003457 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 12003/457 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Sep 26, 2018 |
| Property Address | 5402 TOPSMELT CT, WALDORF, MD 20603-4777 |
| Document Number | 0104070118 |
| Book / Page | 010407 / 000118 |
| Instrument Date | Sep 19, 2018 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 10, 2018 |
| Title Company | CAPITOL TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 5402 TOPSMELT CT WALDORF MD 206034777, WALDORF, MD 20603-4777 |
| Document Number | 104070125 |
|---|---|
| Date | Sep 26, 2018 |
| Book Page | 010407/000125 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 25, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jul 26, 2018 |
| Property Address | 5402 TOPSMELT CT, WALDORF, MD 20603-4777 |
| Document Number | 0103410287 |
| Book / Page | 010341 / 000287 |
| Instrument Date | Jun 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2018 |
| Title Company | FOOTE TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Tax | $179.35 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5402 TOPSMELT CT WALDORF MD 206034777, WALDORF, MD 20603-4777 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 24, 2018 |
| Property Address | 5402 TOPSMELT CT, WALDORF, MD 20603-4777 |
| Document Number | 0102730106 |
| Book / Page | 010273 / 000106 |
| Instrument Date | Jan 16, 2018 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 4, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $187.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5402 TOPSMELT CT WALDORF MD 206034777, WALDORF, MD 20603-4777 |
The 2025 property tax bill for 5402 Topsmelt Ct was $5,140.
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $370,833 (+2.05%) | $378,300 (-) Land $125,000 Building $253,300 | |
| 2025 | $5,140.00 | $363,367 | $378,300 Land $125,000 Building $253,300 |
| 2023 | $4,638.00 | $327,600 | $355,900 Land $125,000 Building $230,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5402 Topsmelt Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 | 3 in force |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2023 · 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 risk around 5402 Topsmelt Ct is low, with less than 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 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | WALDORF - CHARLES COUNTY DPW serves 84,296 people · EPA ID MD0080049 |
|---|---|
| Water Source | Purchased surface water from WASHINGTON SUBURBAN SANITARY COMMISSION |
| Last State Inspection | Jul 2025 |
| 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 | 3 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 514 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 |
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