8945 Locust St, Waldorf, MD 20603 Property Records

Charles County property record for 8945 Locust St, Waldorf, MD 20603

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,238 sqft · built 1983
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$217,500 (Mar 2020)
Tax Bill	$5,488 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-111114`

Property Details

APN / Parcel Number

Primary APN	`06-111114`
Alternative APNs	`6111114` `111114`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,238 sqft Living Area
Gross Area	2,598 sqft
1st Floor Area	1,238 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,994 sqft (0.459 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Pool Area	800 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	111114
Street Address	8945 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-8 S-3 LAUREL BRANCH SUB
Legal Subdivision	LAUREL BRANCH SUB
Legal Block	1
Legal Lot Number	8
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1006
Census Tract	850713

Owner

8945 Locust St is owned by two individuals who bought it in March 2020.

Source: Charles County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8648 SHANNON DR, WALDORF, MD 20603-4973
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2020 · Amount on File
Deed Sale	Mar 16, 2020 · Amount on File
Prior Sale	Mar 30, 2005 · Amount on File
Deed Book / Page	11049 / 300
Record Updated	Oct 29, 2026

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Mar 16, 2020
Property Address	8945 LOCUST ST, WALDORF, MD 20603-6159
Document Number	0110490300
Book / Page	11049 / 300
Map Reference	MB PCM28 PL 144
Instrument Date	Feb 24, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3730 WORTHINGTON ST, 3730, WHITE PLAINS, MD 20695-3283

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8648 SHANNON DR, WALDORF, MD 20603-4973

Mortgage

Document Number	1104311
Date	Mar 16, 2020
Instrument	1104/311

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 8945 Locust St was $5,488.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$394,700	$404,500 Land $120,200 Building $284,300
2025	$5,488.00
2023	$4,516.00	$320,200	$389,800 Land $120,200 Building $269,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8945 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

Wildfire risk around 8945 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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