Charles County property record for 8913 Locust St, Waldorf, MD 20603
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,514 sqft · built 1983 |
| Lot Size | 0.48 acres (20,908 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (May 2015) |
| Tax Bill | $10,025 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-111211 |
| Primary APN | 06-111211 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,514 sqft Living Area |
| 1st Floor Area | 1,514 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 | 20,908 sqft (0.48 acres) |
| Garage Area | 350 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 111211 |
|---|---|
| Street Address | 8913 LOCUST ST |
| City | WALDORF |
| State | MD |
| Zip | 20603-6159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WCD |
| Legal Description | L-16 S-3 LAUREL BRANCH SUB |
| Legal Subdivision | LAUREL BRANCH SUB |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 850713 |
8913 Locust St is owned and occupied by an individual who bought it in May 2015.
Source: Charles County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8913 LOCUST ST, WALDORF, MD 20603-6159 |
| 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 |
|---|---|
| Apr 5, 2024 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Apr 24, 2018 | Quit Claim Deed, Mortgage · Conventional with PMI NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2015 · Amount on File |
| Deed Sale | May 1, 2015 · Amount on File |
| Prior Sale | Sep 1, 2010 · Amount on File |
| Deed Book / Page | 8912 / 85 |
| Transfer Doc | 0038660054 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 8913 LOCUST ST, WALDORF, MD 20603-6159 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2024 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 8913 LOCUST ST, WALDORF, MD 20603-6159 |
| Document Number | 0132490436 |
|---|---|
| Date | Apr 5, 2024 |
| Book Page | 13249/436 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 323 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 8913 LOCUST ST, WALDORF, MD 20603-6159 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 8913 LOCUST ST, WALDORF, MD 20603-6159 |
| Document Number | 0116240401 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 11624/401 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLES MD |
| Recording Date | Apr 24, 2018 |
| Property Address | 8913 LOCUST ST, WALDORF, MD 20603-6159 |
| Document Number | 0102420301 |
| Book / Page | 010242 / 000301 |
| Instrument Date | Apr 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2018 |
| Title Company | CHAMPION TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 8913 LOCUST ST WALDORF MD 206036159, WALDORF, MD 20603-6159 |
| Document Number | 102420306 |
|---|---|
| Date | Apr 24, 2018 |
| Book Page | 010242/000306 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 8913 Locust St was $10,025.
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 | $334,567 (+2.41%) | $350,300 (+7.22%) Land $120,200 Building $230,100 | |
| 2025 | $10,025.00 | $326,700 Land $120,200 Building $206,500 | $326,700 Land $120,200 Building $206,500 |
| 2023 | $3,888.00 (+27.64%) | $270,967 (+11.46%) | $326,700 (+34.39%) Land $120,200 Building $206,500 |
| 2022 | $3,046.00 | $243,100 Land $110,100 Building $133,000 | $243,100 Land $110,100 Building $133,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8913 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 8913 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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