Charles County property record for 5408 Topsmelt Ct, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,784 sqft · built 1996 |
| Lot Size | 0.15 acres (6,523 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Jun 2010) |
| Tax Bill | $10,347 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Sep 2020 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-227619 |
| Primary APN | 06-227619 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,784 sqft Living Area |
| Gross Area | 1,820 sqft |
| 1st Floor Area | 1,048 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,523 sqft (0.15 acres) |
| Garage Type | Built-in |
| Garage Area | 96 sqft |
| Patio Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 227619 |
|---|---|
| Street Address | 5408 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 17 PAR B PLAT 3 DORCHESTER NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 851502 |
5408 Topsmelt Ct is owned and occupied by two individuals who acquired it in September 2018.
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 | 5408 TOPSMELT CT, WALDORF, MD 20603-4777 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Sep 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED STATES SENATE FCU |
| Oct 9, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage C&F MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2010 · Amount on File |
| Deed Sale | Jun 22, 2010 · Amount on File |
| Prior Sale | Jun 10, 2005 · Amount on File |
| Deed Document Number | 201050410 |
| Deed Book / Page | 7178 / 28 |
| Last Transfer Date | Sep 21, 2018 |
| Transfer Doc | 0104170280 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 5408 TOPSMELT CT, WALDORF, MD 20603-4777 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5408 TOPSMELT CT, WALDORF, MD 20603-4777 |
| Document Number | 0120630181 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 12063/181 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 5408 TOPSMELT CT, WALDORF, MD 20603-4777 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0113350409 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 11335/409 |
| Name | UNITED STATES SENATE FCU |
|---|---|
| Type | Credit Union |
| Address | WASHINGTON, DC 20013 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 1, 2045 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Oct 9, 2018 |
| Property Address | 5408 TOPSMELT CT, WALDORF, MD 20603-4777 |
| Document Number | 0104170280 |
| Book / Page | 10417 / 280 |
| Map Reference | MB45 PL156 |
| Instrument Date | Sep 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5408 TOPSMELT CT, WALDORF, MD 20603-4777 |
| Document Number | 0010417283 |
|---|---|
| Date | Oct 9, 2018 |
| Instrument | 10417/283 |
| Name | C&F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2048 |
The 2025 property tax bill for 5408 Topsmelt Ct was $10,347 with a homeowner's exemption.
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 | $350,700 (+1.95%) | $357,400 (-) Land $125,100 Building $232,300 | |
| 2025 | $10,347.00 Homeowner's exemption | $344,000 | $357,400 Land $125,100 Building $232,300 |
| 2023 | $4,232.00 Homeowner's exemption | $310,933 | $337,300 Land $125,100 Building $212,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5408 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 5408 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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