10220 Ebb Tide Ln, Laurel, MD 20723 Property Records

Howard County property record for 10220 Ebb Tide Ln, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,692 sqft · built 2005
Lot Size	0.141 acres (6,124 sqft)
Owner	2 Trust Names on Record
Last Sale	$529,204 (Oct 2004)
Tax Bill	$8,379 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-574335`

Property Details

APN / Parcel Number

Primary APN	`06-574335`
Alternative APN	`574335`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,692 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,124 sqft (0.141 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	574335
Street Address	10220 EBB TIDE LN
City	LAUREL
State	MD
Zip	20723-5869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Legal Description	LOT 81 6124 SQ 10220 EBB TIDE LN EMERSON S2 PH 4 KEY PROP
Legal Subdivision	EMERSON
Legal Phase	4
Legal Lot Number	81
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3000
Census Tract	606808

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	10220 EBB TIDE LN, LAUREL, MD 20723-5869
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 29, 2019	Deed of Trust, Mortgage · FHA Mortgage PEOPLES BANK
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2004 · Amount on Record
Deed Sale	Oct 7, 2004 · Amount on Record
Deed Document Number	200453657
Deed Book / Page	8756 / 639
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Recording Date	Jul 24, 2026
Property Address	10220 EBB TIDE LN, LAUREL, MD 20723-5869
Document Number	2333000357
Book / Page	23335 / 357
Instrument Date	Jul 6, 2026
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	10220 EBB TIDE LN, LAUREL, MD 20723-5869

Mortgage

Document Number	2333000357,
Date	Jul 24, 2026
Book Page	23335/357

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10220 EBB TIDE LN, LAUREL, MD 20723-5869
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0186420367
Date	Apr 29, 2019
Book Page	18642/367

Lender

Name	PEOPLES BANK
Type	Bank
Address	NORTH CHARLESTON, SC 29405

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10220 EBB TIDE LN, LAUREL, MD 20723-5869
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	BETTERS LAW TTL & SETMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10220 EBB TIDE LN, LAUREL, MD 20723-5869

Mortgage

Document Number	0204380236
Date	Apr 13, 2021
Book Page	20438/236

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

Tax Assessment & Valuation

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	$8,379.00 (-1.61%) Homeowner's exemption	$620,200 (+7.94%)	$711,400 (+23.81%) Land $255,000 Building $456,400
2025	$8,516.00 (+60.53%) Homeowner's exemption	$574,600 (+13.63%) Land $180,000 Building $394,600	$574,600 (-) Land $180,000 Building $394,600
2023		$505,667	$574,600 Land $180,000 Building $394,600
2022	$5,305.00

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 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 100 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

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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