Charles County property record for 6565 Cluster Pine Ct, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,221 sqft · built 2016 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $570,000 (Sep 2026) |
| Tax Bill | $8,660 (2026) |
| Deeds & Mortgages | Sep 2026 Sale May 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-355128 |
| Primary APN | 06-355128 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,221 sqft Living Area |
| Gross Area | 3,641 sqft |
| 1st Floor Area | 1,038 sqft |
| Basement Area | 830 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Siding Sheathing |
| Roof Material | Composition Shingle |
| Lot Area | 6,229 sqft (0.143 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 100 sqft |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 355128 |
|---|---|
| Street Address | 6565 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 2 BLK I PH 3B PINEY GROVE ESTATES SUB |
| Legal Subdivision | PINEY GROVE ESTATES SUB |
| Legal Phase | 3B |
| Legal Block | I |
| Legal Lot Number | 2 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 850710 |
Source: Charles County records, as of October 13, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 6565 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2026 | Deed, Transfer LAKESIDE TITLE |
| May 26, 2023 | Deed, Transfer · Conventional Mortgage MERIDIAN BANK |
| May 22, 2020 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Jun 24, 2019 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2026 · Amount on Record |
| Deed Sale | Sep 18, 2026 · Amount on Record |
| Prior Sale | May 26, 2023 · Amount on Record |
| Deed Book / Page | 14215 / 433 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Sep 18, 2026 |
| Property Address | 6565 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Document Number | 1421000433 |
| Book / Page | 14215 / 433 |
| Instrument Date | Jun 5, 2026 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2026 |
| Title Company | LAKESIDE TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $575,700.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6565 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 26, 2023 |
| Property Address | 6565 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Document Number | 0129440365 |
| Book / Page | 12944 / 365 |
| Map Reference | MB 60 PG 18-22 |
| Instrument Date | May 16, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2023 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,775.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6565 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Document Number | 0012944371 |
|---|---|
| Date | May 26, 2023 |
| Instrument | 12944/371 |
| Name | MERIDIAN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 6565 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Document Number | 0111500450 |
| Instrument Date | May 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 6565 CLUSTER PINE CT WALDORF MD 206036706, WALDORF, MD 20603-6706 |
| Document Number | 0111500450 |
|---|---|
| Date | Jun 2, 2020 |
| Book Page | 011150/000450 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 6565 CLUSTER PINE CT, WALDORF, MD 20603-6706 |
| Document Number | 0106960099 |
| Instrument Date | Jun 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 6565 CLUSTER PINE CT WALDORF MD 206036706, WALDORF, MD 20603-6706 |
| Document Number | 0106960099 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 010696/000099 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
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 | $8,660.00 (-59.06%) | $503,267 (+5.63%) | $530,100 (-) Land $125,100 Building $405,000 |
| 2025 | $21,155.00 (+176.83%) | $476,433 (+13.01%) | $530,100 (+17.9%) Land $125,100 Building $405,000 |
| 2023 | $7,642.00 | $421,567 | $449,600 Land $125,100 Building $324,500 |
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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