89 Winners Cir, La Plata, MD 20646 Property Records

Charles County property record for 89 Winners Cir, La Plata, MD 20646

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,348 sqft · built 2016
Lot Size	0.051 acres (2,240 sqft)
Owner	Individual Name on File
Last Sale	$383,000 (Mar 2021)
Tax Bill	$19,027 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-081047`

Property Details

APN / Parcel Number

Primary APN	`01-081047`
Alternative APN	`081047`

Interior

Full Baths	3.5 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

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,240 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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	081047
Street Address	89 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 40 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	40
Jurisdiction	CHARLES MD
Township / Civil Division	1, LA PLATA
Census Block Group	2
Census Block	2020
Census Tract	851001

Owner

89 Winners Cir, a townhouse, is owned and occupied by an individual who bought it in March 2021.

Source: Charles County records, as of October 5, 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	Individual Name on File
Mailing Address	89 WINNERS CIR, LA PLATA, MD 20646-4370
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2021 · Amount on File
Deed Sale	Mar 16, 2021 · Amount on File
Prior Sale	Oct 14, 2016 · Amount on File
Deed Book / Page	11688 / 330
Record Updated	Oct 29, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Mar 16, 2021
Property Address	89 WINNERS CIR, LA PLATA, MD 20646-4370
Document Number	0116880330
Book / Page	11688 / 330
Map Reference	MB 57 FO 411
Instrument Date	Feb 12, 2021
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	REAL ESTATE SETTLEMENTS ESCROW, REAL ESTATE SETMNTS & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,872.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 WINNERS CIR, LA PLATA, MD 20646-4370

Mortgage

Document Number	11688338
Date	Mar 16, 2021
Instrument	11688/338

Lender

Name	1ST FINANCIAL INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 89 Winners Cir was $19,027.

Source: Charles County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Charles County
Municipality	La Plata Town
Unified School District	Charles County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$388,200 (+2.14%) Land $85,000 Building $303,200	$388,200 (-) Land $85,000 Building $303,200
2025	$19,027.00	$380,067	$388,200 Land $85,000 Building $303,200
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.

Flood

FEMA maps place 89 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

Wildfire risk around 89 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20