5404 Well Spring Rd, La Plata, MD 20646 Property Records

Charles County property record for 5404 Well Spring Rd, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,788 sqft · built 1974
Lot Size	1.34 acres (58,370 sqft)
Owner	Individual Name on Record
Last Sale	$562,000 (May 2025)
Tax Bill	$11,124 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-029256`

Property Details

APN / Parcel Number

Primary APN	`06-029256`
Alternative APNs	`6029256` `029256`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,788 sqft Living Area
Gross Area	3,076 sqft
1st Floor Area	1,752 sqft
Basement Area	1,036 sqft
Finished Basement	1,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	58,370 sqft (1.34 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	029256
Street Address	5404 WELL SPRING RD
City	LA PLATA
State	MD
Zip	20646-3629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	LOT 4 SEC 2 MT CARMEL EST SUB
Legal Subdivision	MT CARMEL EST SUB
Legal Block	1
Legal Lot Number	4
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1001
Census Tract	851001

Owner

Source: Charles County records, as of September 22, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	5404 WELL SPRING RD, LA PLATA, MD 20646-3629
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 18, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 28, 2020	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 5, 2019	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2025 · Amount on Record
Deed Sale	May 5, 2025 · Amount on Record
Prior Sale	May 22, 2023 · Amount on Record
Deed Book / Page	13647 / 264
Prior Transfer Date	Mar 21, 2013
Prior Transfer Doc	0081550292
Record Updated	Jun 8, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	May 22, 2023
Property Address	5404 WELL SPRING RD, LA PLATA, MD 20646-3629
Document Number	0129380353
Book / Page	12938 / 353
Map Reference	MB 19 PL 167
Instrument Date	May 19, 2023
Transaction Type	Transfer
Record Updated	Aug 3, 2023
Title Company	VELOCITY NATIONAL TITLE COMPANY, VELOCITY NATIONAL TTL CO LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,283.44
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5404 WELL SPRING RD, LA PLATA, MD 20646-3629
Investor	Possibly a Property Investor

Mortgage

Document Number	0012938360
Date	May 22, 2023
Instrument	12938/360

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	5404 WELL SPRING RD, LA PLATA, MD 20646-3629
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0115050032
Date	Dec 18, 2020
Book Page	11505/32

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	5404 WELL SPRING RD, LA PLATA, MD 20646-3629
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MARYLAND TRUST T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0110230404
Date	Feb 28, 2020
Book Page	11023/404

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jul 1, 2049

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Nov 5, 2019
Property Address	5404 WELL SPRING RD, LA PLATA, MD 20646-3629
Document Number	0108600254
Book / Page	10860 / 254
Map Reference	MB 19 FO 167
Instrument Date	Jun 14, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	MARYLAND TRUST T&E LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,688.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	5404 WELL SPRING RD, LA PLATA, MD 20646-3629

Mortgage

Document Number	10860262
Date	Nov 5, 2019
Instrument	10860/262

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Charles County assessment roll, as of September 22, 2025

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
2025	$11,124.00 (+143.47%)	$359,300 (+13.02%) Land $128,400 Building $230,900	$359,300 (-) Land $128,400 Building $230,900
2023	$4,569.00 (+22.72%)	$317,900 (+6.97%)	$359,300 (+20.9%) Land $128,400 Building $230,900
2022	$3,723.00 Homeowner's exemption	$297,200 Land $118,400 Building $178,800	$297,200 Land $118,400 Building $178,800

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

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

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 80 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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