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6525 Cluster Pine Ct, Waldorf, MD 20603 Property Records

Charles County property record for 6525 Cluster Pine Ct, Waldorf, MD 20603

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 4,858 sqft · built 2016
Lot Size0.174 acres (7,579 sqft)
Owner2 Individual Names on File
Last Sale$488,000 (Nov 2016)
Tax Bill$24,561 (2025)
Deeds & MortgagesMar 2020 Mortgage
Feb 2020 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN06-355138

Property Details

APN / Parcel Number

Primary APN06-355138
Alternative APN
  • 355138

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area4,858 sqft Living Area
Gross Area5,278 sqft
1st Floor Area1,692 sqft
Basement Area1,354 sqft
Finished Basement1,354 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area7,579 sqft (0.174 acres)
View / LotWaterfront
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area148 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number355138
Street Address6525 CLUSTER PINE CT
CityWALDORF
StateMD
Zip20603-6706
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM
Legal DescriptionLOT 12 BLK I PH 3B PINEY GROVE ESTATES SUB
Legal SubdivisionPINEY GROVE ESTATES SUB
Legal Phase3B
Legal BlockI
Legal Lot Number12
JurisdictionCHARLES MD
Township / Civil Division6, WALDORF
Census Block Group1
Census Block1003
Census Tract850710

Owner

6525 Cluster Pine Ct is owned and occupied by two individuals who bought it in November 2016.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address6525 CLUSTER PINE CT, WALDORF, MD 20603-6706
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 26, 2020Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Feb 20, 2020Loan Modification, Mortgage · FHA Mortgage
MR COOPER
Feb 20, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 16, 2016 · Amount on File
Deed SaleNov 16, 2016 · Amount on File
Prior SaleMar 10, 2016 · Amount on File
Deed Book / Page9605 / 82
Record UpdatedOct 29, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLES MD
Property Address6525 CLUSTER PINE CT, WALDORF, MD 20603-6706
Transaction TypeMortgage
Record UpdatedAug 11, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0110620093
DateMar 26, 2020
Book Page11062/93
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2050

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionCHARLES MD
Property Address6525 CLUSTER PINE CT, WALDORF, MD 20603-6706
Document Number0110360120
Instrument DateFeb 20, 2020
Transaction TypeMortgage
Record UpdatedMay 18, 2020
Title CompanyCORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

NameVerified Name
Address6525 CLUSTER PINE CT WALDORF MD 206036706, WALDORF, MD 20603-6706

Mortgage

Document Number0110360120
DateMar 6, 2020
Book Page011036/000120
Lender
NameMR COOPER
AddressCOPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueMar 5, 2050
Interest
Rate4%

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLES MD
Property Address6525 CLUSTER PINE CT, WALDORF, MD 20603-6706
Document Number0110610370
Instrument DateFeb 20, 2020
Transaction TypeMortgage
Record UpdatedMay 29, 2020
Title CompanyCORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

NameVerified Name
Address6525 CLUSTER PINE CT WALDORF MD 206036706, WALDORF, MD 20603-6706

Mortgage

Document Number0110610370
DateMar 26, 2020
Book Page011061/000370
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueMar 25, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 6525 Cluster Pine Ct was $24,561 with a homeowner's exemption.

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCharles County
Unified School DistrictCharles County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$648,567 (+6.07%)$685,700 (-) Land $125,100 Building $560,600
2025$24,561.00 Homeowner's exemption$611,433$685,700 Land $125,100 Building $560,600
2023$9,106.00 Homeowner's exemption$536,767$574,300 Land $125,100 Building $449,200

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

Flood

FEMA maps place 6525 Cluster Pine Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2003)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2003 · Hurricane Isabel

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 6525 Cluster Pine Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemWALDORF - CHARLES COUNTY DPW
serves 84,296 people · EPA ID MD0080049
Water SourcePurchased surface water from WASHINGTON SUBURBAN SANITARY COMMISSION
Last State InspectionJul 2025
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 443 locations within half a mile, as of December 31, 2025

ProviderMax 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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