Charles County property record for 94 Garner Ave, Waldorf, MD 20602
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,991 sqft · built 1969 |
| Lot Size | 0.299 acres (13,006 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Mar 2006) |
| Tax Bill | $9,156 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-003923 |
| Primary APN | 06-003923 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,991 sqft Living Area |
| Gross Area | 2,035 sqft |
| 1st Floor Area | 1,073 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,006 sqft (0.299 acres) |
| Garage Type | Carport |
| Garage Area | 220 sqft |
| Carport | Carport |
| Carport Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 140 sqft |
| Patio Area | 44 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 003923 |
|---|---|
| Street Address | 94 GARNER AVE |
| City | WALDORF |
| State | MD |
| Zip | 20602-2926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | L-32 B-2 S-3-C CARRINGTON NEIGHBORHOOD ST CHARLES SUB |
| Legal Subdivision | ST CHARLES SUB |
| Legal Block | 2 |
| Legal Lot Number | 32 |
| Jurisdiction | CHARLES MD |
| Township / Civil Division | 6, WALDORF |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 850902 |
94 Garner Ave is owned and occupied by two individuals who acquired it in August 2015.
Source: Charles County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 94 GARNER AVE, WALDORF, MD 20602-2926 |
| 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 |
|---|---|
| Aug 18, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 9, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Jun 11, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 15, 2017 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2006 · Amount on File |
| Deed Sale | Mar 17, 2006 · Amount on File |
| Deed Document Number | 200667606 |
| Deed Book / Page | 5741 / 684 |
| Last Transfer Date | Aug 31, 2015 |
| Transfer Doc | 0090560023 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 94 GARNER AVE, WALDORF, MD 20602-2926 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 94 GARNER AVE, WALDORF, MD 20602-2926 |
| Document Number | 0126700104 |
|---|---|
| Date | Aug 18, 2022 |
| Book Page | 12670/104 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Jul 15, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 94 GARNER AVE, WALDORF, MD 20602-2926 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0123820430 |
|---|---|
| Date | Feb 9, 2022 |
| Book Page | 12382/430 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 94 GARNER AVE, WALDORF, MD 20602-2926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0102900012 |
|---|---|
| Date | Jun 11, 2018 |
| Book Page | 10290/012 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | 00000 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLES MD |
| Property Address | 94 GARNER AVE, WALDORF, MD 20602-2926 |
| Document Number | 0103040172 |
| Instrument Date | Sep 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2019 |
| Title Company | CONVENIENT CLOSING SERVICES, CONVENIENT CLOSING SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 94 GARNER AVE WALDORF MD 206022926, WALDORF, MD 20602-2926 |
| Document Number | 0103040172 |
|---|---|
| Date | Jun 21, 2018 |
| Book Page | 010304/000172 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 20, 2033 |
The 2025 property tax bill for 94 Garner Ave was $9,156 with a homeowner's exemption.
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 | $340,900 (+5.09%) | $357,400 (-) Land $125,100 Building $232,300 | |
| 2025 | $9,156.00 Homeowner's exemption | $324,400 | $357,400 Land $125,100 Building $232,300 |
| 2023 | $3,680.00 Homeowner's exemption | $279,233 | $307,900 Land $125,100 Building $182,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 94 Garner Ave 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 |
| Nearby Flood Policies | 2 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 risk around 94 Garner Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 423 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 |
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