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95 Garner Ave, Waldorf, MD 20602 Property Records

Charles County property record for 95 Garner Ave, Waldorf, MD 20602

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,295 sqft · built 1969
Lot Size0.213 acres (9,270 sqft)
Owner2 Individual Names on File
Last Sale$293,500 (Sep 2019)
Tax Bill$5,442 (2025)
Deeds & MortgagesSep 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-013279

Property Details

APN / Parcel Number

Primary APN06-013279
Alternative APNs
  • 6013279
  • 013279

Interior

Full Baths2 Baths
Stories2 Stories
Building Area2,295 sqft Living Area
Gross Area2,403 sqft
1st Floor Area1,284 sqft
Basement Area741 sqft
Finished Basement741 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 1969
Architectural StyleSplit Foyer
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area9,270 sqft (0.213 acres)
PorchOpen Porch
Porch Area126 sqft
Patio Area108 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number013279
Street Address95 GARNER AVE
CityWALDORF
StateMD
Zip20602-2929
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRH
Legal DescriptionL 7 B 44 S 3-C CARRINGTON NEIGHBORHOOD ST CHARLES SUB
Legal SubdivisionST CHARLES SUB
Legal Block44
Legal Lot Number7
JurisdictionCHARLES MD
Township / Civil Division6, WALDORF
Census Block Group1
Census Block1006
Census Tract850902

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address95 GARNER AVE, WALDORF, MD 20602-2929
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 30, 2019 · Amount on File
Deed SaleSep 30, 2019 · Amount on File
Prior SaleAug 29, 1988 · Amount on File
Deed Book / Page10806 / 1
Transfer Doc0000207199
Record UpdatedOct 29, 2026

September 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLES MD
Recording DateSep 30, 2019
Property Address95 GARNER AVE, WALDORF, MD 20602-2929
Document Number0108060001
Book / Page010806 / 000001
Instrument DateSep 12, 2019
Transaction TypeTransfer
Record UpdatedOct 11, 2019
Title CompanyNAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$293.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address95 GARNER AVE WALDORF MD 206022929, WALDORF, MD 20602-2929

Mortgage

Document Number108060009
DateSep 30, 2019
Book Page010806/000009
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueSep 29, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyCharles County
Unified School DistrictCharles County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$401,800 (+20.95%)$417,300 (+12.54%) Land $120,000 Building $297,300
2025$5,442.00 (+16.43%)
2023$4,674.00$332,200$370,800 Land $120,000 Building $250,800

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemWALDORF - CHARLES COUNTY DPW
serves 84,296 people · EPA ID MD0080049
Water SourcePurchased surface water from WASHINGTON SUBURBAN SANITARY COMMISSION
Last State InspectionJul 2025
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 423 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber		2,300 / 2,300
Xfinity
Cable		2,000 / 250

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