Charles County property record for 8524 Ridgeline Ter, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 1,994 sqft · built 1984 |
| Lot Size | 0.661 acres (28,781 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Jun 2018) |
| Tax Bill | $12,250 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2023 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-121195 |
| Primary APN | 06-121195 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,994 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 650 sqft |
| Finished Basement | 650 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 28,781 sqft (0.661 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 121195 |
|---|---|
| Street Address | 8524 RIDGELINE TER |
| City | WALDORF |
| State | MD |
| Zip | 20603-4071 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WCD |
| Legal Description | L-68 PLAT 5-.660 AC EUTAW FOREST SUB |
| Legal Subdivision | EUTAW FOREST SUB |
| Legal Block | 1 |
| Legal Lot Number | 68 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 850712 |
8524 Ridgeline Ter is owned and occupied by an individual who bought it in June 2018.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8524 RIDGELINE TER, WALDORF, MD 20603-4071 |
| 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 24, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 3, 2023 | Deed of Trust, Mortgage · VA Mortgage CAPITAL HOME MORTGAGE LLC |
| Oct 29, 2018 | Deed of Trust, Mortgage · VA Mortgage HOMESPIRE MORTGAGE CORP |
| May 17, 2019 | Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Mar 20, 2020 | Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Feb 16, 2021 | Deed of Trust, Mortgage · VA Mortgage HOMESPIRE MORTGAGE CORP |
| Jun 14, 2018 | Deed, Transfer · VA Mortgage HOMESPIRE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2018 · Amount on File |
| Deed Sale | Jun 14, 2018 · Amount on File |
| Prior Sale | Aug 1, 1997 · Amount on File |
| Deed Book / Page | 10298 / 10 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 8524 RIDGELINE TER, WALDORF, MD 20603-4071 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 8524 RIDGELINE TER, WALDORF, MD 20603-4071 |
| Document Number | 0138380395 |
|---|---|
| Date | Oct 24, 2025 |
| Book Page | 13838/395 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 8524 RIDGELINE TER, WALDORF, MD 20603-4071 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2023 |
| Title Company | NOT AVAILABLE, MID ATLANTIC STLMT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 8524 RIDGELINE TER, WALDORF, MD 20603-4071 |
| Document Number | 0131060330 |
|---|---|
| Date | Nov 3, 2023 |
| Book Page | 13106/330 |
| Name | CAPITAL HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 8524 RIDGELINE TER, WALDORF, MD 20603-4071 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | NEW WORLD TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0104390051 |
|---|---|
| Date | Oct 29, 2018 |
| Book Page | 10439/051 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20878 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 8524 RIDGELINE TER, WALDORF, MD 20603-4071 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | POWERHOUSE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0106370053 |
|---|---|
| Date | May 17, 2019 |
| Book Page | 10637/053 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 345 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 8524 RIDGELINE TER, WALDORF, MD 20603-4071 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | POWERHOUSE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0110560384 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 11056/384 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 8524 RIDGELINE TER, WALDORF, MD 20603-4071 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | NEIGHBORHOOD SETTLEMENTS LLC |
| Name | Verified Name |
|---|---|
| Address | 8524 RIDGELINE TER, WALDORF, MD 20603-4071 |
| Document Number | 0116140111 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 11614/111 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20878 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Jun 14, 2018 |
| Property Address | 8524 RIDGELINE TER, WALDORF, MD 20603-4071 |
| Document Number | 0102980010 |
| Book / Page | 10298 / 010 |
| Map Reference | MB PCM30 PG92 |
| Instrument Date | Jun 1, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | NEW WORLD TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,550.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8524 RIDGELINE TER, 8524, WALDORF, MD 20603-4071 |
| Name | Verified Name |
|---|---|
| Address | 8524 RIGELINE TERRACE, WALDORF, MD 20603-4071 |
| Document Number | 0001029818 |
|---|---|
| Date | Jun 14, 2018 |
| Instrument | 10298/18 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 8524 Ridgeline Ter was $12,250 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 | $468,333 | $481,400 Land $120,600 Building $360,800 | |
| 2025 | $12,250.00 | ||
| 2023 | $5,032.00 Homeowner's exemption | $376,067 | $461,800 Land $120,600 Building $341,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8524 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 8524 Ridgeline Ter 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 | Direct burnable vegetation |
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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