6645 Bitty Ln, La Plata, MD 20646 Property Records

Charles County property record for 6645 Bitty Ln, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,792 sqft · built 1963
Lot Size	1.26 acres (55,321 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,000 (Nov 2025)
Tax Bill	$3,851 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-001403`

Property Details

APN / Parcel Number

Primary APN	`02-001403`
Alternative APNs	`2001403` `001403`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,792 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	672 sqft
Finished Basement	672 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	55,321 sqft
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	001403
Street Address	6645 BITTY LN
City	LA PLATA
State	MD
Zip	20646-4625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WCD
Legal Description	L-10 S1 J I JOHNSON SUB
Legal Subdivision	J I JOHNSON SUB
Legal Block	2
Legal Lot Number	10
Jurisdiction	CHARLES MD
Township / Civil Division	2, HILL TOP
Census Block Group	2
Census Block	2013
Census Tract	850600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6645 BITTY LN, LA PLATA, MD 20646-4625
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE, INC
Nov 12, 2025	Deed, Transfer · VA Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2025 · Amount on Record
Deed Sale	Nov 12, 2025 · Amount on Record
Prior Sale	Nov 5, 2003 · Amount on Record
Deed Book / Page	13861 / 202
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Recording Date	Jun 2, 2026
Property Address	6645 BITTY LN, LA PLATA, MD 20646-4625
Document Number	1409000220
Book / Page	14091 / 220
Instrument Date	Mar 30, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	IN TITLE, FIN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	6645 BITTY LN, LA PLATA, MD 20646-4625
Investor	Possibly a Property Investor

Mortgage

Document Number	1409000220,
Date	Jun 2, 2026
Book Page	14091/220

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Nov 12, 2025
Property Address	6645 BITTY LN, LA PLATA, MD 20646-4625
Document Number	0138610202
Book / Page	13861 / 202
Map Reference	MB PCM 14 FO 40
Instrument Date	Jul 10, 2025
Transaction Type	Transfer
Record Updated	Dec 2, 2025
Title Company	EKKO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6645 BITTY LN, LA PLATA, MD 20646-4625

Mortgage

Document Number	0013861217
Date	Nov 12, 2025
Instrument	13861/217

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

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		$267,600 (+2.57%)	$281,000 (+7.7%) Land $122,700 Building $158,300
2025	$3,851.00 (+15.02%)	$260,900 (+14.95%) Land $92,100 Building $168,800	$260,900 (-) Land $92,100 Building $168,800
2023	$3,348.00 (+27.25%)	$226,967 (+8.08%)	$260,900 (+24.24%) Land $92,100 Building $168,800
2022	$2,631.00	$210,000 Land $77,100 Building $132,900	$210,000 Land $77,100 Building $132,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	15 (1999–2024)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims

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

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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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