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TownhouseResidential
$564,291$111 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 99How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $455,105 on Feb 17, 2021

10986 OSWESTRY ST

WALDORF, MD 20603
3.5
Baths
5,087 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2,396 ft²
Lot SizeThe size of the land the home sits on, from county records.
2021
Year BuiltThe year the home was originally built, according to county records.
4
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$564K
$557K low$572K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$455,105 · Feb 17, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$21,097 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$476,167 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$462,033
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$490,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
52
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
StyleThe architectural style of the home, such as ranch or colonial.Townhouse
CountyCHARLES
Lot (acres)The size of the land the home sits on, from county records.0.06
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 275 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
C. Paul Barnhart Elementary SchoolC-
Elementary · Grades EE–5 · 1.3 mi
H
Westlake High SchoolD+
High · Grades 9–12 · 1.9 mi
M
Theodore G. Davis Middle SchoolB
Middle · Grades 6–8 · 3.4 mi

District: Charles County Public Schools

Neighborhood · ZIP 20603These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.73
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.34

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.35,700
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,070 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$140,522
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$162,916
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10986 Oswestry St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 79% of homes in Charles County
  • Among the lowest price per square foot in Waldorf 20603
  • Bigger than 98% of homes in Waldorf 20603
  • Has a smaller lot than 83% of homes in Charles County
  • Newer than 97% of homes in Waldorf 20603

What homes are worth in Waldorf 20603

Each bar is how many homes fall in that price range. The marker is this home.

This home
$296K$707K

This home is worth more than 76% of homes in Waldorf 20603.

How it measures up in Waldorf 20603

The dot is this home. The mark in the middle is the typical home in Waldorf 20603.

Estimated value$564,291
CheaperTypical $466,348Pricier

Pricier than 76% of homes nearby

Price per ft²$111
CheaperTypical $200Pricier

Cheaper than almost all homes nearby

Living area5,087 ft²
SmallerTypical 2,240 ft²Bigger

Bigger than 98% of homes nearby

Lot size2,396 ft²
SmallerTypical 0.19 acBigger

Bigger than 21% of homes nearby

Year built2021
OlderTypical 1995Newer

Newer than 97% of homes nearby

How 10986 Oswestry St ranks against every home in each area.
MeasureThis homeWaldorf 20603Charles County
Estimated valuepricier than$564,29176% of homes79% of homes
Price per ft²pricier than$111almost no homesalmost no homes
Living areabigger than5,087 ft²98% of homes98% of homes
Lot sizebigger than2,396 ft²21% of homes17% of homes
Year builtnewer than202197% of homes94% of homes

About 10986 Oswestry St

How much is 10986 Oswestry St, Waldorf, MD worth?

The TopHap Estimate for 10986 Oswestry St, Waldorf, MD is $564,291 as of Aug 30, 2026. The likely range is $556,817 to $571,765. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10986 Oswestry St, Waldorf, MD last sell?

10986 Oswestry St, Waldorf, MD last sold on Feb 17, 2021 for $455,105, according to the county's recorded deed.

How big is 10986 Oswestry St, Waldorf, MD?

10986 Oswestry St, Waldorf, MD has 3.5 bathrooms, 5,087 square feet of living space and a 0.06-acre lot.

When was 10986 Oswestry St, Waldorf, MD built?

10986 Oswestry St, Waldorf, MD was built in 2021, making it 5 years old. It is a townhouse home. The building has 4 stories.

What schools serve 10986 Oswestry St, Waldorf, MD?

10986 Oswestry St, Waldorf, MD is assigned to C. Paul Barnhart Elementary School (elementary), rated C-; Westlake High School (high), rated D+; Theodore G. Davis Middle School (middle), rated B. All sit in Charles County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10986 Oswestry St, Waldorf, MD compare to other homes in Waldorf 20603?

Among the 10,485 homes in Waldorf 20603, it is worth more than 76% of them ($564,291 against a typical $466,348), its price per square foot is higher than almost none of them ($111 against a typical $200), it is bigger than 98% of them (5,087 ft² against a typical 2,240 ft²), its lot is bigger than 21% of them (2,396 ft² against a typical 0.19 ac) and it is newer than 97% of them (2021 against a typical 1995). Measured against all of Charles County, it is worth more than 79% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10986 Oswestry St, Waldorf, MD?

The 2025 property tax bill for 10986 Oswestry St, Waldorf, MD was $21,097. The county assessed it at $476,167.

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