902 Truro Ln, Waldorf, MD 20601 Property Records

Charles County property record for 902 Truro Ln, Waldorf, MD 20601

Property Summary

Property Type	Exempt (Full or Partial)
Details	2.5 ba · 2,881 sqft · built 1976
Lot Size	0.231 acres (10,054 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Oct 2023)
Tax Bill	$772 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-034486`

Property Details

APN / Parcel Number

Primary APN	`08-034486`
Alternative APNs	`8034486` `034486`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,881 sqft Gross Area
1st Floor Area	896 sqft
Basement Area	625 sqft
Finished Basement	625 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,054 sqft (0.231 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	034486
Street Address	902 TRURO LN
City	WALDORF
State	MD
Zip	20601-3350
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	RM
Legal Description	L-45 B-A S-1 PINEFIELD SUB
Legal Subdivision	PINEFIELD SUB
Legal Block	A
Legal Lot Number	45
Jurisdiction	CHARLES MD
Township / Civil Division	8, BRYANTOWN
Census Block Group	1
Census Block	1014
Census Tract	850801

Owner

Source: Charles County records, as of May 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	902 TRURO LN, WALDORF, MD 20601-3350
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Oct 13, 2023	Deed, Transfer · VA Mortgage FIRST WESTERN TRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Prior Sale	Mar 30, 2011 · Amount on Record
Deed Book / Page	13082 / 98
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Recording Date	May 8, 2026
Property Address	902 TRURO LN, WALDORF, MD 20601-3350
Document Number	1406000236
Book / Page	14064 / 236
Instrument Date	May 4, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NAVY FEDERAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 TRURO LN, WALDORF, MD 20601-3350

Mortgage

Document Number	1406000236,
Date	May 8, 2026
Book Page	14064/236

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Oct 13, 2023
Property Address	902 TRURO LN, WALDORF, MD 20601-3350
Document Number	0130820098
Book / Page	13082 / 98
Map Reference	MB PCM 12 PL 8
Instrument Date	Oct 6, 2023
Transaction Type	Transfer
Record Updated	Oct 26, 2023
Title Company	CLA TITLE AND ESCROW, CLA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 TRURO LN, WALDORF, MD 20601-3350

Mortgage

Document Number	0013082105
Date	Oct 13, 2023
Instrument	13082/105

Lender

Name	FIRST WESTERN TRUST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

Source: Charles County assessment roll, as of September 22, 2025

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
2025	$772.00 (-80.31%)	$348,933 (+27.63%)	$386,700 (+41.44%) Land $95,500 Building $291,200
2023	$3,920.00	$273,400 Land $83,300 Building $190,100	$273,400 Land $83,300 Building $190,100

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

Flood

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 Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	22 (1983–2019)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Jul 2019 · rainfall accumulation
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 8 claims

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

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	0.01% 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 103 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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