8325 Ruth Ct, La Plata, MD 20646 Property Records

Charles County property record for 8325 Ruth Ct, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,141 sqft · built 1994
Lot Size	3.03 acres (131,987 sqft)
Owner	2 Individual Names on Record
Last Sale	$529,900 (Jun 2016)
Tax Bill	$19,857 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-021347`

Property Details

APN / Parcel Number

Primary APN	`04-021347`
Alternative APNs	`4021347` `021347`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,141 sqft Living Area
Gross Area	5,229 sqft
1st Floor Area	4,141 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	131,987 sqft
View / Lot	Waterfront
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	544 sqft
Porch	Enclosed Porch
Porch Area	620 sqft
Deck Area	176 sqft
Bath House	476 sqft
Tennis Court	Tennis Court

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	021347
Street Address	8325 RUTH CT
City	LA PLATA
State	MD
Zip	20646-4404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	LT 24 PLT 2=3.03 AC HUDSON RIDGE SUB
Legal Subdivision	HUDSON RIDGE SUB
Legal Block	2
Legal Lot Number	24
Jurisdiction	CHARLES MD
Township / Civil Division	4, ALLENS FRESH
Census Block Group	2
Census Block	2007
Census Tract	851301

Owner

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	8325 RUTH CT, LA PLATA, MD 20646-4404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Sep 9, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2016 · Amount on Record
Deed Sale	Jun 7, 2016 · Amount on Record
Prior Sale	May 16, 1994 · Amount on Record
Deed Book / Page	9377 / 363
Prior Transfer Date	Nov 22, 2005
Prior Transfer Doc	0055900541
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	8325 RUTH CT, LA PLATA, MD 20646-4404
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0119340398
Date	Jul 8, 2021
Book Page	11934/398

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	8325 RUTH CT, LA PLATA, MD 20646-4404
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8325 RUTH CT, LA PLATA, MD 20646-4404

Mortgage

Document Number	0126960245
Date	Sep 9, 2022
Book Page	12696/245

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Aug 1, 2042

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		$788,600 (+8.63%) Land $150,100 Building $638,500	$788,600 (-) Land $150,100 Building $638,500
2025	$19,857.00 (+138.84%) Homeowner's exemption	$725,933 (+20.87%)	$788,600 (+31.3%) Land $150,100 Building $638,500
2023	$8,314.00 Homeowner's exemption	$600,600 Land $140,100 Building $460,500	$600,600 Land $140,100 Building $460,500

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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