5775 Cold Lake Dr, Welcome, MD 20693 Property Records

Charles County property record for 5775 Cold Lake Dr, Welcome, MD 20693

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,548 sqft · built 1998
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Oct 2024)
Tax Bill	$15,854 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-012073`

Property Details

APN / Parcel Number

Primary APN	`02-012073`
Alternative APNs	`2012073` `012073`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,548 sqft Living Area
Gross Area	3,988 sqft
1st Floor Area	1,358 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	130,680 sqft
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	210 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	012073
Street Address	5775 COLD LAKE DR
City	WELCOME
State	MD
Zip	20693-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	LT 16 S 1 = 3.000 AC COLDSPRING LAKE SUB
Legal Subdivision	COLDSPRING LAKE SUB
Legal Block	1
Legal Lot Number	16
Jurisdiction	CHARLES MD
Township / Civil Division	2, HILL TOP
Census Block Group	1
Census Block	1045
Census Tract	850500

Owner

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

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	5775 COLD LAKE DR, WELCOME, MD 20693-3217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 6, 2017	Grant Deed, Transfer · Conventional with PMI PLATINUM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2024 · Amount on Record
Deed Sale	Oct 16, 2024 · Amount on Record
Prior Sale	Feb 5, 1997 · Amount on Record
Deed Book / Page	13445 / 485
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	5775 COLD LAKE DR, WELCOME, MD 20693-3217
Transaction Type	Mortgage
Record Updated	May 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5775 COLD LAKE DR, WELCOME, MD 20693-3217

Mortgage

Document Number	0129070354
Date	Apr 18, 2023
Book Page	12907/354

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 17, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	5775 COLD LAKE DR, WELCOME, MD 20693-3217
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0122690214
Date	Dec 9, 2021
Book Page	12269/214

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Apr 6, 2017
Property Address	5775 COLD LAKE DR, WELCOME, MD 20693-3217
Document Number	0097880330
Book / Page	009788 / 000330
Instrument Date	Mar 6, 2017
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	CAPITOL TITLE COMPANY INC, CAPITOL TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$371.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5775 COLD LAKE DR WELCOME MD 206933217, WELCOME, MD 20693-3217

Mortgage

Document Number	97880337
Date	Apr 6, 2017
Book Page	009788/000337

Lender

Name	PLATINUM MTG
Type	Mortgage Company
Address	MADISON, AL 35758

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2047

Tax Assessment & Valuation

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		$546,833 (+20.55%)	$562,700 (+4.42%) Land $140,000 Building $422,700
2025	$15,854.00 (+149%)
2023	$6,367.00	$453,633	$538,900 Land $106,000 Building $432,900

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 · 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	2 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

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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300

Cell Coverage

4G LTE (outdoors only), no 5G reported

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