9451 Silver Oak Rd, La Plata, MD 20646 Property Records

Charles County property record for 9451 Silver Oak Rd, La Plata, MD 20646

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,504 sqft · built 1974
Lot Size	1 acre (43,560 sqft)
Owner	Individual Name on File
Last Sale	$352,000 (Jan 2017)
Tax Bill	$11,667 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-048188`

Property Details

APN / Parcel Number

Primary APN	`06-048188`
Alternative APNs	`6048188` `048188`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,504 sqft Living Area
Gross Area	3,254 sqft
1st Floor Area	1,590 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,560 sqft
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	126 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	048188
Street Address	9451 SILVER OAK RD
City	LA PLATA
State	MD
Zip	20646-3628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	LOT 3 SEC 2 MT CARMEL EST SUB
Legal Subdivision	MT CARMEL EST SUB
Legal Block	1
Legal Lot Number	3
Jurisdiction	CHARLES MD
Township / Civil Division	6, WALDORF
Census Block Group	1
Census Block	1001
Census Tract	851001

Owner

9451 Silver Oak Rd is owned and occupied by an individual who bought it in January 2017.

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

Owner of Record	Individual Name on File
Mailing Address	9451 SILVER OAK RD, LA PLATA, MD 20646-3628
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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

Date	Document
Oct 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Oct 22, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jan 31, 2017	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2017 · Amount on File
Deed Sale	Jan 31, 2017 · Amount on File
Deed Book / Page	9716 / 212
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	9451 SILVER OAK RD, LA PLATA, MD 20646-3628
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9451 SILVER OAK RD, LA PLATA, MD 20646-3628

Mortgage

Document Number	0130970371
Date	Oct 26, 2023
Book Page	13097/371

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	239 Months
Due	Sep 1, 2043

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLES MD
Property Address	9451 SILVER OAK RD, LA PLATA, MD 20646-3628
Document Number	0108720349
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 28, 2019
Title Company	LAKESIDE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9451 SILVER OAK RD LA PLATA MD 206463628, LA PLATA, MD 20646-3628

Mortgage

Document Number	0108720349
Date	Nov 14, 2019
Book Page	010872/000349

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 13, 2049

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLES MD
Recording Date	Jan 31, 2017
Property Address	9451 SILVER OAK RD, LA PLATA, MD 20646-3628
Document Number	0097160212
Book / Page	9716 / 212
Map Reference	MB19 FO167
Instrument Date	Jan 20, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9451 SILVER OAK RD, LA PLATA, MD 20646-3628

Mortgage

Document Number	0009716220
Date	Jan 31, 2017
Instrument	9716/220

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 9451 Silver Oak Rd was $11,667 with a homeowner's exemption.

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		$413,167	$444,700 Land $150,000 Building $294,700
2025	$11,667.00
2023	$4,744.00 Homeowner's exemption	$338,333	$397,400 Land $125,000 Building $272,400

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

Flood

FEMA maps place 9451 Silver Oak Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 9451 Silver Oak Rd 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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