Charles County property record for 6550 Cluster Pine Ct, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,593 sqft · built 2016 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $394,900 (Jan 2018) |
| Tax Bill | $20,406 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jun 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-355147 |
| Primary APN | 06-355147 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,593 sqft Living Area |
| Gross Area | 4,013 sqft |
| 1st Floor Area | 1,162 sqft |
| Basement Area | 1,379 sqft |
| Finished Basement | 1,379 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,625 sqft (0.198 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Deck Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 355147 |
|---|---|
| Street Address | 6550 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 9 BLK PH 3B PINEY GROVE ESTATES SUB |
| Legal Subdivision | PINEY GROVE ESTATES SUB |
| Legal Phase | 3B |
| Legal Block | E |
| Legal Lot Number | 9 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 850710 |
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 Record |
|---|---|
| Mailing Address | 6550 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2025 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Jun 26, 2023 | Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Jul 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 16, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 30, 2018 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2018 · Amount on Record |
| Deed Sale | Jan 30, 2018 · Amount on Record |
| Prior Sale | Mar 10, 2016 · Amount on Record |
| Deed Book / Page | 10150 / 450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 6550 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 6550 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Document Number | 0138320289 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | 13832/289 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 6550 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2023 |
| Title Company | FIRST SOURCE TITLE |
| Name | Verified Name |
|---|---|
| Address | 6550 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Document Number | 0129740284 |
|---|---|
| Date | Jun 26, 2023 |
| Book Page | 12974/284 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 6550 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0119690242 |
|---|---|
| Date | Jul 28, 2021 |
| Book Page | 11969/242 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 6550 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0111800135 |
|---|---|
| Date | Jun 16, 2020 |
| Book Page | 11180/135 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jan 30, 2018 |
| Property Address | 6550 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Document Number | 0101500450 |
| Book / Page | 010150 / 000450 |
| Instrument Date | Nov 7, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $394.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6550 CLUSTER PINE CT WALDORF MD 206036706, WALDORF, MD 20603-6706 |
| Document Number | 101500462 |
|---|---|
| Date | Jan 30, 2018 |
| Book Page | 010150/000462 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 29, 2048 |
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $515,533 (+20.6%) | $545,300 (+19.58%) Land $125,200 Building $420,100 | |
| 2025 | $20,406.00 (+171.75%) | ||
| 2023 | $7,509.00 | $427,467 | $456,000 Land $125,200 Building $330,800 |
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 | 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.
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 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 |
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