6549 Cluster Pine Ct, Waldorf, MD 20603 Property Records

Charles County property record for 6549 Cluster Pine Ct, Waldorf, MD 20603

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,684 sqft · built 2016
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on File
Last Sale	$585,000 (Aug 2022)
Tax Bill	$22,051 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-355132`

Property Details

APN / Parcel Number

Primary APN	`06-355132`
Alternative APN	`355132`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,684 sqft Living Area
Gross Area	4,084 sqft
1st Floor Area	1,314 sqft
Basement Area	1,050 sqft
Finished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.143 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	355132
Street Address	6549 CLUSTER PINE CT
City	WALDORF
State	MD
Zip	20603-6706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	LOT 6 BLK I PH 3B PINEY GROVE ESTATES SUB
Legal Subdivision	PINEY GROVE ESTATES SUB
Legal Phase	3B
Legal Block	I
Legal Lot Number	6
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1003
Census Tract	850710

Owner

6549 Cluster Pine Ct is owned and occupied by two individuals who bought it in August 2022.

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 Record	2 Individual Names on File
Mailing Address	6549 CLUSTER PINE CT, WALDORF, MD 20603-6706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2022 · Amount on File
Deed Sale	Aug 24, 2022 · Amount on File
Prior Sale	Dec 9, 2016 · Amount on File
Deed Book / Page	12676 / 118
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Aug 24, 2022
Property Address	6549 CLUSTER PINE CT, WALDORF, MD 20603-6706
Document Number	0126760118
Book / Page	12676 / 118
Map Reference	MB 60 PG 18-22
Instrument Date	Jun 30, 2022
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6549 CLUSTER PINE CT, WALDORF, MD 20603-6706

Mortgage

Document Number	0012676129
Date	Aug 24, 2022
Instrument	12676/129

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 6549 Cluster Pine Ct was $22,051.

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		$539,867	$569,300 Land $125,100 Building $444,200
2025	$22,051.00
2023	$8,063.00 (+53.17%)	$450,567 (+7.24%)	$481,000 (-) Land $125,100 Building $355,900
2022	$5,264.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$420,133	$481,000 Land $125,100 Building $355,900

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

Flood

FEMA maps place 6549 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 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 6549 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 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.

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 443 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