74 Garner Ave, Waldorf, MD 20602 Property Records

Charles County property record for 74 Garner Ave, Waldorf, MD 20602

Property Summary

Property Type	Exempt (Full or Partial)
Details	2.5 ba · 2,219 sqft · built 1969
Lot Size	0.396 acres (17,230 sqft)
Owner	Individual Name on Record
Last Sale	$258,000 (Jan 2017)
Tax Bill	$772 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-013902`

Property Details

APN / Parcel Number

Primary APN	`06-013902`
Alternative APNs	`6013902` `013902`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,219 sqft Gross Area
1st Floor Area	1,073 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	17,230 sqft (0.396 acres)
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	2 Parking Spaces
Patio Area	44 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	013902
Street Address	74 GARNER AVE
City	WALDORF
State	MD
Zip	20602-2926
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	RH
Legal Description	L 42 B 2 S 3-C CARRINGTON NEIGHBORHOOD ST CHARLES SUB
Legal Subdivision	ST CHARLES SUB
Legal Block	2
Legal Lot Number	42
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1003
Census Tract	850902

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	Individual Name on Record
Mailing Address	74 GARNER AVE, WALDORF, MD 20602-2926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Deed of Trust, Mortgage · VA Mortgage LOANUNITED.COM LLC
Jan 6, 2017	Grant Deed, Transfer · VA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2017 · Amount on Record
Deed Sale	Jan 6, 2017 · Amount on Record
Prior Sale	Jul 23, 2004 · Amount on Record
Deed Book / Page	9681 / 173
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	74 GARNER AVE, WALDORF, MD 20602-2926
Transaction Type	Mortgage
Record Updated	Jan 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 GARNER AVE, WALDORF, MD 20602-2926

Mortgage

Document Number	0128300327
Date	Jan 18, 2023
Book Page	12830/327

Lender

Name	LOANUNITED.COM LLC
Type	Mortgage Company
Address	NORCROSS, GA 30071

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLES MD
Recording Date	Jan 6, 2017
Property Address	74 GARNER AVE, WALDORF, MD 20602-2926
Document Number	0096810173
Book / Page	009681 / 000173
Instrument Date	Jul 15, 2016
Transaction Type	Transfer
Record Updated	Mar 27, 2017
Title Company	LEGENDS TITLE GROUP LLC, LEGENDS TITLE GRP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$258.35
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	74 GARNER AVE WALDORF MD 206022926, WALDORF, MD 20602-2926

Mortgage

Document Number	96810180
Date	Jan 6, 2017
Book Page	009681/000180

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2047

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		$380,767 (+13.53%)	$386,200 (+4.41%) Land $125,300 Building $260,900
2025	$772.00 (-81.68%)
2023	$4,214.00 Homeowner's exemption	$335,400	$369,900 Land $125,300 Building $244,600

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	2 in force

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	0.01% annual chance
Exposure	Direct burnable vegetation

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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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