10203 Ebb Tide Ln, Laurel, MD 20723 Property Records

Howard County property record for 10203 Ebb Tide Ln, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,938 sqft · built 2005
Lot Size	0.205 acres (8,927 sqft)
Owner	2 Individual Names on File
Last Sale	$735,000 (Apr 2021)
Tax Bill	$11,516 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-574238`

Property Details

APN / Parcel Number

Primary APN	`06-574238`
Alternative APN	`574238`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,938 sqft Total Area
Basement Area	1,137 sqft
Finished Basement	1,137 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,927 sqft (0.205 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	504 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	574238
Street Address	10203 EBB TIDE LN
City	LAUREL
State	MD
Zip	20723-5870
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Legal Description	LOT 71 8927 SQ 10203 EBB TIDE LN EMERSON S2 PH 4 KEY PROP
Legal Subdivision	CORRECTION EMERSON
Legal Phase	4
Legal Lot Number	71
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3000
Census Tract	606808

Owner

10203 Ebb Tide Ln is owned and occupied by two individuals who bought it in April 2021.

Source: Howard County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10203 EBB TIDE LN, LAUREL, MD 20723-5870
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Apr 6, 2021	Deed, Transfer · Conventional Mortgage NFM INC
Feb 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MTG
Aug 16, 2018	Grant Deed, Transfer · Conventional with PMI USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2021 · Amount on File
Deed Sale	Apr 6, 2021 · Amount on File
Prior Sale	Aug 16, 2018 · Amount on File
Deed Book / Page	20407 / 307
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10203 EBB TIDE LN, LAUREL, MD 20723-5870
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0204070330
Date	Apr 6, 2021
Book Page	20407/330

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Apr 6, 2021
Property Address	10203 EBB TIDE LN, LAUREL, MD 20723-5870
Document Number	0204070307
Book / Page	20407 / 307
Map Reference	PL 16606-16609
Instrument Date	Mar 25, 2021
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	HOME FIRST TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,862.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10203 EBB TIDE LN, LAUREL, MD 20723-5870

Mortgage

Document Number	20407313
Date	Apr 6, 2021
Instrument	20407/313

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10203 EBB TIDE LN, LAUREL, MD 20723-5870
Document Number	0192020057
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10203 EBB TIDE LN LAUREL MD 207235870, LAUREL, MD 20723-5870

Mortgage

Document Number	0192020057
Date	Feb 26, 2020
Book Page	019202/000057

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 25, 2035

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Aug 16, 2018
Property Address	10203 EBB TIDE LN, LAUREL, MD 20723-5870
Document Number	0183230400
Book / Page	018323 / 000400
Instrument Date	Jul 31, 2018
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	TITLE RESOURCES GUARANTY COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10203 EBB TIDE LN LAUREL MD 207235870, LAUREL, MD 20723-5870

Mortgage

Document Number	183230406
Date	Aug 16, 2018
Book Page	018323/000406

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 10203 Ebb Tide Ln was $11,516, up 7.2% from the year before.

Source: Howard County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Howard County
Unified School District	Howard County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,516.00 (+7.24%)	$749,000 (+7.37%)	$851,800 (+22.1%) Land $267,600 Building $584,200
2025	$10,739.00	$697,600 Land $192,600 Building $505,000	$697,600 Land $192,600 Building $505,000
2023		$581,467	$697,600 Land $192,600 Building $505,000
2022	$5,893.00

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

Flood

FEMA maps place 10203 Ebb Tide Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 31, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 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

Wildfire risk around 10203 Ebb Tide Ln 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 98% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 644 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

May also be available: T-Mobile.

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