Charles County property record for 8523 Ridgeline Ter, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,160 sqft · built 1984 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Feb 2011) |
| Tax Bill | $11,034 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-121314 |
| Primary APN | 06-121314 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,160 sqft Living Area |
| Gross Area | 2,600 sqft |
| 1st Floor Area | 1,440 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 20,909 sqft (0.48 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Deck Area | 116 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 121314 |
|---|---|
| Street Address | 8523 RIDGELINE TER |
| City | WALDORF |
| State | MD |
| Zip | 20603-4072 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WCD |
| Legal Description | L-79 PLAT 5-.486 AC EUTAW FOREST SUB |
| Legal Subdivision | EUTAW FOREST SUB |
| Legal Block | 1 |
| Legal Lot Number | 79 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 850712 |
8523 Ridgeline Ter is owned and occupied by two individuals who bought it in February 2011.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8523 RIDGELINE TER, WALDORF, MD 20603-4072 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 2, 2011 · Amount on File |
| Deed Sale | Feb 2, 2011 · Amount on File |
| Prior Sale | Jun 5, 1984 · Amount on File |
| Deed Document Number | 20118111 |
| Deed Book / Page | 7390 / 462 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 8523 RIDGELINE TER, WALDORF, MD 20603-4072 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|
| Document Number | 0118410001 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 11841/1 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
The 2025 property tax bill for 8523 Ridgeline Ter was $11,034 with a homeowner's exemption.
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 | $388,300 | $434,900 Land $120,200 Building $314,700 | |
| 2025 | $11,034.00 | ||
| 2023 | $4,632.00 Homeowner's exemption | $327,133 | $365,000 Land $120,200 Building $244,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8523 Ridgeline Ter in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1994.
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 (1994–2018) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Oct 2018 · river or lake flooding |
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 8523 Ridgeline Ter is low, with 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% 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 | 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 139 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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