Howard County property record for 12403 Penelope Ct, Fulton, MD 20759
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 5,147 sqft · built 1987 |
| Lot Size | 0.994 acres (43,298 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,175,000 (Nov 2025) |
| Tax Bill | $18,160 (2026) |
| Deeds & Mortgages | Nov 2025 Sale Jan 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-345324 |
| Primary APN | 05-345324 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,147 sqft Total Area |
| Basement Area | 1,548 sqft |
| Finished Basement | 1,548 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 43,298 sqft (0.994 acres) |
| Garage Type | Attached |
| Garage Area | 651 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1,120 sqft |
| Porch | Porch |
| Porch Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 345324 |
|---|---|
| Street Address | 12403 PENELOPE CT |
| City | FULTON |
| State | MD |
| Zip | 20759-9644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RRDEO |
| Legal Description | LOT 26 BL B .994 A 12403 PENELOPE CT BEAUFORT PARK S 4 AR 2 |
| Legal Subdivision | BEAUFORT PARK SEC 04 |
| Legal Block | B |
| Legal Lot Number | 26 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 605106 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 12403 PENELOPE CT, FULTON, MD 20759-9644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 10, 2025 | Deed, Transfer UNKNOWN, TSB TITLE |
| Jan 25, 2023 | Deed of Trust, Mortgage · Line of Credit SANDY SPRING BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2025 · Amount on Record |
| Deed Sale | Nov 10, 2025 · Amount on Record |
| Prior Sale | Aug 31, 2010 · Amount on Record |
| Deed Book / Page | 22999 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Nov 10, 2025 |
| Property Address | 12403 PENELOPE CT, FULTON, MD 20759-9644 |
| Document Number | 0229990001 |
| Book / Page | 22999 / 1 |
| Map Reference | PL CMP 6841 |
| Instrument Date | Oct 24, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2025 |
| Title Company | UNKNOWN, TSB TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12403 PENELOPE CT, FULTON, MD 20759-9644 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 12403 PENELOPE CT, FULTON, MD 20759-9644 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2023 |
| Title Company | INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 12403 PENELOPE CT, FULTON, MD 20759-9644 |
| Document Number | 0218640354 |
|---|---|
| Date | Jan 25, 2023 |
| Book Page | 21864/354 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Address | OLNEY, MD 20832 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Howard County assessment roll, as of September 4, 2026
| 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 | $18,160.00 (+28.14%) | $1,284,867 (+9.56%) | $1,509,000 (+28.67%) Land $366,100 Building $1,142,900 |
| 2025 | $14,172.00 (+32.04%) Homeowner's exemption | $1,172,800 (+14.26%) Land $276,100 Building $896,700 | $1,172,800 (-) Land $276,100 Building $896,700 |
| 2023 | $1,026,400 | $1,172,800 Land $276,100 Building $896,700 | |
| 2022 | $10,733.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
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