5412 Lucy Dr, Waldorf, MD 20601 Property Records

Charles County property record for 5412 Lucy Dr, Waldorf, MD 20601

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,169 sqft · built 1975
Lot Size	0.244 acres (10,625 sqft)
Owner	Individual Name on File
Last Sale	$391,000 (Jul 2021)
Tax Bill	$11,269 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-034303`

Property Details

APN / Parcel Number

Primary APN	`08-034303`
Alternative APNs	`8034303` `034303`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,169 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	921 sqft
Finished Basement	921 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,625 sqft (0.244 acres)
Garage Area	330 sqft
Pool Area	500 sqft
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	034303
Street Address	5412 LUCY DR
City	WALDORF
State	MD
Zip	20601-3218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	L-43 B-D S-2 PINEFIELD SUB
Legal Subdivision	PINEFIELD SUB
Legal Block	D
Legal Lot Number	43
Jurisdiction	CHARLES MD
Township / Civil Division	8, BRYANTOWN
Census Block Group	3
Census Block	3002
Census Tract	850801

Owner

5412 Lucy Dr is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	5412 LUCY DR, WALDORF, MD 20601-3218
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NASA FCU
Jul 16, 2021	Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2021 · Amount on File
Deed Sale	Jul 16, 2021 · Amount on File
Prior Sale	Jun 21, 1982 · Amount on File
Deed Book / Page	11947 / 135
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	5412 LUCY DR, WALDORF, MD 20601-3218
Transaction Type	Mortgage
Record Updated	Aug 18, 2023
Title Company	US TITLE INSURANCE AGENCY, CU TITLE INSURANCE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5412 LUCY DR, WALDORF, MD 20601-3218

Mortgage

Document Number	0130140287
Date	Aug 7, 2023
Book Page	13014/287

Lender

Name	NASA FCU
Type	Credit Union
Address	BOWIE, MD 20716

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 31, 2028

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Jul 16, 2021
Property Address	5412 LUCY DR, WALDORF, MD 20601-3218
Document Number	0119470135
Book / Page	11947 / 135
Map Reference	MB 12 FO 17
Instrument Date	Jun 29, 2021
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CELEBRATE SETMNT SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,932.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5412 LUCY DR, WALDORF, MD 20601-3218

Mortgage

Document Number	11947141
Date	Jul 16, 2021
Instrument	11947/141

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5412 Lucy Dr was $11,269.

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

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
2026		$418,900 Land $95,800 Building $323,100	$418,900 Land $95,800 Building $323,100
2025	$11,269.00
2023	$4,060.00	$284,000 Land $83,600 Building $200,400	$284,000 Land $83,600 Building $200,400

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

Flood

FEMA maps place 5412 Lucy 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
Nearby Flood Policies	5 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

Wildfire risk around 5412 Lucy 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Lucy Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures