Charles County property record for 8908 Locust St, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,800 sqft · built 1983 |
| Lot Size | 0.467 acres (20,340 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $495,000 (Feb 2025) |
| Tax Bill | $13,349 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Oct 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-111297 |
| Primary APN | 06-111297 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| Gross Area | 2,024 sqft |
| 1st Floor Area | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,340 sqft (0.467 acres) |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Breezeway |
|---|---|
| Porch Area | 224 sqft |
| Deck Area | 300 sqft |
| Breezeway | Breezeway |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 111297 |
|---|---|
| Street Address | 8908 LOCUST ST |
| City | WALDORF |
| State | MD |
| Zip | 20603-6177 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WCD |
| Legal Description | L-22 S-3 LAUREL BRANCH SUB |
| Legal Subdivision | LAUREL BRANCH SUB |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 850713 |
8908 Locust St is owned and occupied by two individuals who bought it in February 2025.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8908 LOCUST ST, WALDORF, MD 20603-6177 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Sep 23, 2022 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Oct 25, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Jan 22, 2018 | Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 2025 · Amount on File |
| Deed Sale | Feb 21, 2025 · Amount on File |
| Prior Sale | Sep 23, 2022 · Amount on File |
| Deed Book / Page | 13572 / 397 |
| Prior Transfer Date | May 8, 2019 |
| Prior Transfer Doc | 0121590478 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Sep 23, 2022 |
| Property Address | 8908 LOCUST ST, WALDORF, MD 20603-6177 |
| Document Number | 0127110106 |
| Book / Page | 12711 / 106 |
| Map Reference | MB 28 PL 144 |
| Instrument Date | Sep 13, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2022 |
| Title Company | UNITED TITLE AND ESCROW LLC, UNITED TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8908 LOCUST ST, WALDORF, MD 20603-6177 |
| Document Number | 0012711111 |
|---|---|
| Date | Sep 23, 2022 |
| Instrument | 12711/111 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Oct 25, 2021 |
| Property Address | 8908 LOCUST ST, WALDORF, MD 20603-6177 |
| Document Number | 0121590478 |
| Book / Page | 12159 / 478 |
| Map Reference | MB 28 PL 144 |
| Instrument Date | May 8, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1729 CHILTON ST, 1729, BALTIMORE, MD 21218-3714 |
| Name | Verified Name |
|---|---|
| Address | 8908 LOCUST ST, WALDORF, MD 20603-6177 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 8908 LOCUST ST, WALDORF, MD 20603-6177 |
| Document Number | 0101860125 |
| Instrument Date | Jan 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 8908 LOCUST ST WALDORF MD 206036177, WALDORF, MD 20603-6177 |
| Document Number | 0101860125 |
|---|---|
| Date | Feb 28, 2018 |
| Book Page | 010186/000125 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 27, 2048 |
| Rate | 4% |
|---|
The 2025 property tax bill for 8908 Locust St was $13,349.
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 | $464,100 (+2.47%) | $486,500 (+7.42%) Land $120,200 Building $366,300 | |
| 2025 | $13,349.00 | $452,900 Land $120,200 Building $332,700 | $452,900 Land $120,200 Building $332,700 |
| 2023 | $153.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $352,100 | $452,900 Land $120,200 Building $332,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8908 Locust St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.
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 |
| Nearby Flood Claims | 6 (2003–2020) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
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 8908 Locust St 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 | 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 114 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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