Howard County property record for 10232 Ebb Tide Ln, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,266 sqft · built 2005 |
| Lot Size | 0.167 acres (7,269 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $660,000 (Jul 2007) |
| Tax Bill | $10,745 (2025) |
| Deeds & Mortgages | Feb 2020 Line of Credit Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-574300 |
| Primary APN | 06-574300 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,266 sqft Total Area |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,269 sqft (0.167 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 276 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 574300 |
|---|---|
| Street Address | 10232 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 78 7269 SQ 10232 EBB TIDE LN EMERSON S2 PH 4 KEY PROP |
| Legal Subdivision | CORRECTION EMERSON |
| Legal Phase | 4 |
| Legal Lot Number | 78 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 606808 |
Source: Howard County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10232 EBB TIDE LN, LAUREL, MD 20723-5869 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 6, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2007 · Amount on Record |
| Deed Sale | Jul 6, 2007 · Amount on Record |
| Prior Sale | Oct 14, 2004 · Amount on Record |
| Deed Document Number | 200779701 |
| Deed Book / Page | 10777 / 294 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10232 EBB TIDE LN, LAUREL, MD 20723-5869 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0191660429 |
|---|---|
| Date | Feb 6, 2020 |
| Book Page | 19166/429 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | LAUREL, MD 20723 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10232 EBB TIDE LN, LAUREL, MD 20723-5869 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|
| Document Number | 0204890151 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 20489/151 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
Source: Howard County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Howard County |
| Unified School District | Howard County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $756,667 (+7.4%) | $861,000 (+22.21%) Land $260,200 Building $600,800 | |
| 2025 | $10,745.00 (+66.56%) | $704,500 (+14.21%) Land $185,200 Building $519,300 | $704,500 (-) Land $185,200 Building $519,300 |
| 2023 | $616,833 | $704,500 Land $185,200 Building $519,300 | |
| 2022 | $6,451.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 89% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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