5604 Needlefish Ct, Waldorf, MD 20603 Property Records

Charles County property record for 5604 Needlefish Ct, Waldorf, MD 20603

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,456 sqft · built 1994
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$146,450 (May 2024)
Tax Bill	$9,634 (2025)
Deeds & Mortgages	May 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-212972`

Property Details

APN / Parcel Number

Primary APN	`06-212972`
Alternative APNs	`6212972` `212972`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	1,896 sqft
1st Floor Area	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	212972
Street Address	5604 NEEDLEFISH CT
City	WALDORF
State	MD
Zip	20603-4275
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 4 PAR H DORCHESTER NEIGHBORHOOD ST CHARLES SUB
Legal Subdivision	ST CHARLES 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	851501

Owner

5604 Needlefish Ct is owned and occupied by two individuals who bought it in May 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	5604 NEEDLEFISH CT, WALDORF, MD 20603-4275
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2024 · Amount on File
Deed Sale	May 1, 2024 · Amount on File
Prior Sale	May 21, 2002 · Amount on File
Deed Book / Page	13273 / 25
Prior Transfer Date	Aug 31, 2006
Prior Transfer Doc	0060200763
Record Updated	Oct 29, 2026

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLES MD
Recording Date	May 1, 2024
Property Address	5604 NEEDLEFISH CT, WALDORF, MD 20603-4275
Document Number	0132730025
Book / Page	13273 / 25
Map Reference	MB DGB 42 FO 92
Instrument Date	Apr 16, 2024
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5604 NEEDLEFISH CT, WALDORF, MD 20603-4275

Mortgage

Document Number	0001327331
Date	May 1, 2024
Instrument	13273/31

Lender

Name	US POSTAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 27, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 5604 Needlefish Ct was $9,634 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		$330,833 (+6.08%)	$349,800 (-) Land $125,100 Building $224,700
2025	$9,634.00 Homeowner's exemption	$311,867	$349,800 Land $125,100 Building $224,700
2023	$3,965.00 Homeowner's exemption	$276,833	$292,900 Land $125,100 Building $167,800

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

Flood

FEMA maps place 5604 Needlefish Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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	4 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2016 · rainfall accumulation

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

The area around 5604 Needlefish Ct has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20