5412 Well Spring Rd, La Plata, MD 20646 Property Records

Charles County property record for 5412 Well Spring Rd, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,638 sqft · built 1976
Lot Size	2.43 acres (106,286 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Apr 2023)
Tax Bill	$12,654 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-042325`

Property Details

APN / Parcel Number

Primary APN	`06-042325`
Alternative APNs	`6042325` `042325`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,638 sqft Living Area
Gross Area	3,858 sqft
1st Floor Area	2,168 sqft
Basement Area	1,470 sqft
Finished Basement	1,470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	106,286 sqft
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	220 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	042325
Street Address	5412 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	L-6 S-2 MT CARMEL EST SUB
Legal Subdivision	MT CARMEL EST SUB
Legal Block	1
Legal Lot Number	6
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1001
Census Tract	851001

Owner

5412 Well Spring Rd is owned and occupied by two individuals who bought it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5412 WELL SPRING RD, LA PLATA, MD 20646-3629
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
Mar 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 12, 2023	Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2023 · Amount on File
Deed Sale	Apr 12, 2023 · Amount on File
Prior Sale	Dec 15, 2004 · Amount on File
Deed Book / Page	12901 / 497
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	5412 WELL SPRING RD, LA PLATA, MD 20646-3629
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5412 WELL SPRING RD, LA PLATA, MD 20646-3629

Mortgage

Document Number	0139820066
Date	Mar 4, 2026
Book Page	13982/66

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Mar 1, 2053

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Apr 12, 2023
Property Address	5412 WELL SPRING RD, LA PLATA, MD 20646-3629
Document Number	0129010497
Book / Page	12901 / 497
Map Reference	MB 19 FO 167
Instrument Date	Apr 11, 2023
Transaction Type	Transfer
Record Updated	Apr 28, 2023
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,425.00
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	5412 WELL SPRING RD, LA PLATA, MD 20646-3629

Mortgage

Document Number	0012901504
Date	Apr 12, 2023
Instrument	12901/504

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 5412 Well Spring Rd was $12,654 with a homeowner's exemption.

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		$461,067	$548,400 Land $164,400 Building $384,000
2025	$12,654.00
2023	$5,245.00	$368,867	$417,400 Land $139,400 Building $278,000

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

Flood

FEMA maps place 5412 Well Spring 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 5412 Well Spring 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	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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