Charles County property record for 85 Winners Cir, La Plata, MD 20646
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,348 sqft · built 2016 |
| Lot Size | 0.051 acres (2,219 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $361,050 (May 2017) |
| Tax Bill | $18,877 (2025) |
| Deeds & Mortgages | Oct 2022 Second Mortgage Jan 2018 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-081063 |
| Primary APN | 01-081063 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,348 sqft Living Area |
| Gross Area | 2,762 sqft |
| 1st Floor Area | 1,381 sqft |
| Basement Area | 967 sqft |
| Finished Basement | 967 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,219 sqft (0.051 acres) |
| Garage Type | Attached |
| Garage Area | 414 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 49 sqft |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 081063 |
|---|---|
| Street Address | 85 WINNERS CIR |
| City | LA PLATA |
| State | MD |
| Zip | 20646-4370 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | MUD-2 |
| Legal Description | LOT 42 PLT 7 PH 1 TOWN OF LA PLATA THE VIL OF STEEPLECHASE |
| Legal Subdivision | THE VIL OF STEEPLECHASE |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 42 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 1, LA PLATA |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 851001 |
85 Winners Cir, a townhouse, is owned and occupied by two individuals who bought it in May 2017.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 85 WINNERS CIR, LA PLATA, MD 20646-4370 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage EDUCATIONAL SYSTEMS FCU |
| Jan 22, 2018 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 6, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| May 19, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 6, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| May 18, 2017 | Deed, Transfer · VA Mortgage C&F MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2017 · Amount on File |
| Deed Sale | May 18, 2017 · Amount on File |
| Deed Book / Page | 9837 / 90 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 85 WINNERS CIR, LA PLATA, MD 20646-4370 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2022 |
| Title Company | MORTGAGE INFORMATION SVCS IN |
| Name | Verified Name |
|---|---|
| Address | 85 WINNERS CIR, LA PLATA, MD 20646-4370 |
| Document Number | 0127540298 |
|---|---|
| Date | Oct 28, 2022 |
| Book Page | 12754/298 |
| Name | EDUCATIONAL SYSTEMS FCU |
|---|---|
| Type | Credit Union |
| Address | GREENBELT, MD 20768 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Nov 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 85 WINNERS CIR, LA PLATA, MD 20646-4370 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0101430163 |
|---|---|
| Date | Jan 22, 2018 |
| Book Page | 10143/163 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 353 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 85 WINNERS CIR, LA PLATA, MD 20646-4370 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0107350493 |
|---|---|
| Date | Aug 6, 2019 |
| Book Page | 10735/493 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 335 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 85 WINNERS CIR, LA PLATA, MD 20646-4370 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0111320299 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 11132/299 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 85 WINNERS CIR, LA PLATA, MD 20646-4370 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0117350022 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 11735/22 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | May 18, 2017 |
| Property Address | 85 WINNERS CIR, LA PLATA, MD 20646-4370 |
| Document Number | 0098370090 |
| Book / Page | 9837 / 090 |
| Map Reference | MB57 FO411 |
| Instrument Date | May 12, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 85 WINNDERS CIR, LA PLATA, MD 20646-4370 |
| Document Number | 0000983795 |
|---|---|
| Date | May 18, 2017 |
| Instrument | 9837/95 |
| Name | C&F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 85 Winners Cir was $18,877.
Source: Charles County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Charles County |
| Municipality | La Plata Town |
| Unified School District | Charles County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $380,900 Land $85,000 Building $295,900 | $380,900 Land $85,000 Building $295,900 | |
| 2025 | $18,877.00 | ||
| 2023 | $7,294.00 | $363,800 Land $85,000 Building $278,800 | $363,800 Land $85,000 Building $278,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 85 Winners Cir 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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 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 Winners Cir is low, with a 0.02% annual chance of 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | TOWN OF LA PLATA serves 11,535 people · EPA ID MD0080025 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| 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 | None 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 353 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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