Charles County property record for 6403 Bear Ct, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,252 sqft · built 1991 |
| Lot Size | 0.121 acres (5,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $254,900 (Mar 2018) |
| Tax Bill | $12,406 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Mar 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-166377 |
| Primary APN | 06-166377 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,252 sqft Living Area |
| Gross Area | 2,532 sqft |
| 1st Floor Area | 1,162 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,250 sqft (0.121 acres) |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 64 sqft |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 166377 |
|---|---|
| Street Address | 6403 BEAR CT |
| City | WALDORF |
| State | MD |
| Zip | 20603-4302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 28 PARCEL B HAMPSHIRE NBH - WESTLAKE ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 2 |
| Legal Lot Number | 28 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 850710 |
Source: Charles County records, as of June 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Mar 22, 2023 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| May 28, 2019 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Feb 11, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Mar 14, 2018 | Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2018 · Amount on Record |
| Deed Sale | Mar 14, 2018 · Amount on Record |
| Prior Sale | Feb 15, 2005 · Amount on Record |
| Deed Book / Page | 10199 / 207 |
| Last Transfer Date | Feb 7, 2022 |
| Transfer Doc | 0123910474 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jun 12, 2026 |
| Property Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Document Number | 1410000163 |
| Book / Page | 14107 / 163 |
| Instrument Date | Jun 8, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Investor | Possibly a Property Investor |
| Document Number | 1410000163, |
|---|---|
| Date | Jun 12, 2026 |
| Book Page | 14107/163 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Document Number | 0128830330 |
|---|---|
| Date | Mar 22, 2023 |
| Book Page | 12883/330 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | CLA TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0106460123 |
|---|---|
| Date | May 28, 2019 |
| Book Page | 10646/123 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | MICHAELS TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Document Number | 0113460001 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 11346/1 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Feb 11, 2022 |
| Property Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Document Number | 0123910474 |
| Book / Page | 12391 / 474 |
| Map Reference | MB DGB 36 PL 197 |
| Instrument Date | Feb 7, 2022 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2022 |
| Title Company | NOT AVAILABLE, TAILWIND TITLE & ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Document Number | 0012391480 |
|---|---|
| Date | Feb 11, 2022 |
| Instrument | 12391/480 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Mar 14, 2018 |
| Property Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Document Number | 0101990207 |
| Book / Page | 10199 / 207 |
| Map Reference | MB DGB 36 PL124 |
| Instrument Date | Mar 2, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | BUYERS TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 6403 BEAR CT, WALDORF, MD 20603-4302 |
| Document Number | 0010199211 |
|---|---|
| Date | Mar 14, 2018 |
| Instrument | 10199/211 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
Source: Charles County assessment roll, as of September 22, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,406.00 (+142.02%) Homeowner's exemption | $419,667 (+14.07%) | $474,200 (+20.85%) Land $125,000 Building $349,200 |
| 2023 | $5,126.00 Homeowner's exemption | $367,900 | $392,400 Land $125,000 Building $267,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 2 (2021) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2021 · tidal / storm surge |
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.
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 | 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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