6422 Bear Ct, Waldorf, MD 20603 Property Records

Charles County property record for 6422 Bear Ct, Waldorf, MD 20603

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,252 sqft · built 1990
Lot Size	0.127 acres (5,540 sqft)
Owner	2 Individual Names on File
Last Sale	$208,000 (Jun 2002)
Tax Bill	$11,666 (2025)
Deeds & Mortgages	Oct 2016 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-166172`

Property Details

APN / Parcel Number

Primary APN	`06-166172`
Alternative APNs	`6166172` `166172`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,252 sqft Living Area
Gross Area	2,700 sqft
1st Floor Area	1,162 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,540 sqft (0.127 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	168 sqft
Deck Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	166172
Street Address	6422 BEAR CT
City	WALDORF
State	MD
Zip	20603-4301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 11 PARCEL B HAMPSHIRE NBH - WESTLAKE ST CHARLES SUB
Legal Subdivision	ST CHARLES SUB
Legal Block	2
Legal Lot Number	11
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	2
Census Block	2003
Census Tract	850710

Owner

6422 Bear Ct is owned and occupied by two individuals who bought it in June 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	6422 BEAR CT, WALDORF, MD 20603-4301
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	Jun 28, 2002 · Amount on File
Deed Sale	Jun 28, 2002 · Amount on File
Prior Sale	Sep 21, 1990 · Amount on File
Deed Document Number	2002161702
Deed Book / Page	3608 / 290
Record Updated	Oct 29, 2026

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	6422 BEAR CT, WALDORF, MD 20603-4301
Document Number	0096770296
Instrument Date	Oct 28, 2016
Transaction Type	Mortgage
Record Updated	Aug 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6422 BEAR CT WALDORF MD 206034301, WALDORF, MD 20603-4301

Mortgage

Document Number	0096770296
Date	Jan 5, 2017
Book Page	009677/000296

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 6422 Bear Ct was $11,666 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		$419,967	$445,700 Land $125,000 Building $320,700
2025	$11,666.00
2023	$4,799.00 Homeowner's exemption	$344,467	$368,500 Land $125,000 Building $243,500

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

Flood

FEMA maps place 6422 Bear Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

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.

Wildfire

Wildfire risk around 6422 Bear Ct is low, with less than 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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 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.

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 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