6950 Rustic Acres Pl, La Plata, MD 20646 Property Records

Charles County property record for 6950 Rustic Acres Pl, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,000 sqft · built 2018
Lot Size	4.11 acres (179,424 sqft)
Owner	2 Individual Names on Record
Tax Bill	$25,673 (2025)
Deeds & Mortgages	Nov 2019 Line of Credit Dec 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`04-355197`

Property Details

APN / Parcel Number

Primary APN	`04-355197`
Alternative APN	`355197`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,000 sqft Living Area
Gross Area	4,838 sqft
1st Floor Area	1,372 sqft
Basement Area	1,080 sqft
Finished Basement	1,080 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	179,424 sqft
Garage Type	Attached
Garage Area	714 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	241 sqft
Deck Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	355197
Street Address	6950 RUSTIC ACRES PL
City	LA PLATA
State	MD
Zip	20646-4562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	LOT 1 4.119 AC KUMBAR SUB FMA
Legal Subdivision	KUMBAR SUB
Legal Block	2
Legal Lot Number	1
Jurisdiction	CHARLES MD
Township / Civil Division	4, ALLENS FRESH
Census Block Group	2
Census Block	2026
Census Tract	851301

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	6950 RUSTIC ACRES PL, LA PLATA, MD 20646-4562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 6, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	6950 RUSTIC ACRES PL, LA PLATA, MD 20646-4562
Document Number	0109700025
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6950 RUSTIC ACRES PL LA PLATA MD 206464562, LA PLATA, MD 20646-4562

Mortgage

Document Number	0109700025
Date	Jan 23, 2020
Book Page	010970/000025

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	468 Months
Due	Jan 22, 2059

Interest

Rate Type	Adjustable Rate

December 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CHARLES MD
Recording Date	Dec 6, 2017
Property Address	6950 RUSTIC ACRES PL, LA PLATA, MD 20646-4562
Document Number	0100890123
Book / Page	010089 / 000123
Instrument Date	Nov 20, 2017
Transaction Type	Construction Loan
Record Updated	Dec 4, 2018
Title Company	DULANEY TITLE AND ESCROW LLC, DULANEY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6950 RUSTIC ACRES PL LA PLATA MD 20646, LA PLATA, MD 20646

Mortgage

Document Number	100890123
Date	Dec 6, 2017
Book Page	010089/000123

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	MECHANICSVILLE, VA 23111

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 5, 2032

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		$675,600 (+24.86%) Land $155,500 Building $520,100	$675,600 (+24.86%) Land $155,500 Building $520,100
2025	$25,673.00 (+173.52%)
2023	$9,386.00 Homeowner's exemption	$541,100 Land $145,500 Building $395,600	$541,100 Land $145,500 Building $395,600

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

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (2011–2018)
Claims Outside the SFHA	2 of 4
Most Recent Claim	May 2018 · rainfall accumulation

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	0.02% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300

Cell Coverage

5G (outdoors only) and 4G LTE

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