Charles County property record for 85 Garner Ave, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,689 sqft · built 1969 |
| Lot Size | 0.209 acres (9,097 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,000 (Feb 2021) |
| Tax Bill | $10,092 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Feb 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-013627 |
| Primary APN | 06-013627 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,689 sqft Living Area |
| Gross Area | 2,144 sqft |
| 1st Floor Area | 1,014 sqft |
| Basement Area | 675 sqft |
| Finished Basement | 675 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,097 sqft (0.209 acres) |
| Garage Type | Attached |
| Garage Area | 275 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 013627 |
|---|---|
| Street Address | 85 GARNER AVE |
| City | WALDORF |
| State | MD |
| Zip | 20602-2929 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | L 2 B 44 S 3-C CARRINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 44 |
| Legal Lot Number | 2 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 850902 |
85 Garner Ave is owned and occupied by an individual who bought it in February 2021.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 85 GARNER AVE, WALDORF, MD 20602-2929 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 19, 2020 | Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK |
| Feb 17, 2021 | Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP |
| Jul 29, 2019 | Deed, Transfer · Commercial Mortgage COMMUNITY BANK OF THE CHESAPEAKE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 17, 2021 · Amount on File |
| Deed Sale | Feb 17, 2021 · Amount on File |
| Prior Sale | Jul 29, 2019 · Amount on File |
| Deed Book / Page | 11620 / 56 |
| Transfer Doc | 0025940060 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 85 GARNER AVE, WALDORF, MD 20602-2929 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | BUYERS TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 11940 LIMESTONE CT, SWAN POINT, MD 20645-2136 |
| Document Number | 0112800067 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 11280/67 |
| Name | COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | WALDORF, MD 20601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Feb 17, 2021 |
| Property Address | 85 GARNER AVE, WALDORF, MD 20602-2929 |
| Document Number | 0116200056 |
| Book / Page | 11620 / 56 |
| Map Reference | MB PCM 11 FO 21 |
| Instrument Date | Dec 30, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | BUYERS TITLE, BUYERS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,475.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 85 GARNER AVE, WALDORF, MD 20602-2929 |
| Document Number | 1162061 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 11620/61 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jul 29, 2019 |
| Property Address | 85 GARNER AVE, WALDORF, MD 20602-2929 |
| Document Number | 0107250060 |
| Book / Page | 10725 / 060 |
| Map Reference | MB PCM 11 FO 21 |
| Instrument Date | Jul 15, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | BUYERS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,720.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 11370 ETHAN CT, SWAN POINT, MD 20645-2201 |
| Document Number | 10725064 |
|---|---|
| Date | Jul 29, 2019 |
| Instrument | 10725/064 |
| Name | COMMUNITY BANK OF THE CHESAPEAKE |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2039 |
The 2025 property tax bill for 85 Garner Ave was $10,092.
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 | $341,433 (+3.69%) | $353,600 (-) Land $120,000 Building $233,600 | |
| 2025 | $10,092.00 | $329,267 | $353,600 Land $120,000 Building $233,600 |
| 2023 | $4,068.00 | $284,600 | $317,100 Land $120,000 Building $197,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 85 Garner Ave in Zone X, an area of minimal flood risk.
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 risk around 85 Garner Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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 423 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 |
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