Howard County property record for 15154 Sapling Ridge Dr, Dayton, MD 21036
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 4,526 sqft · built 2003 |
| Lot Size | 1.41 acres (61,420 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,560,000 (Jul 2026) |
| Tax Bill | $10,091 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-433118 |
| Primary APN | 05-433118 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,526 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 61,420 sqft (1.41 acres) |
| Garage Type | Attached |
| Garage Area | 693 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 70 sqft |
| Deck Area | 410 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 433118 |
|---|---|
| Street Address | 15154 SAPLING RIDGE DR |
| City | DAYTON |
| State | MD |
| Zip | 21036-1259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RCDEO |
| Legal Description | LOT 44 1.41 A 15154 SAPLING RIDGE DR HIGH FOREST ESTATES |
| Legal Subdivision | HIGH FOREST ESTATES |
| Legal Lot Number | 44 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 605104 |
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 | 15154 SAPLING RIDGE DR, DAYTON, MD 21036-1259 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2026 · Amount on Record |
| Deed Sale | Jul 10, 2026 · Amount on Record |
| Prior Sale | Jul 9, 2007 · Amount on Record |
| Deed Book / Page | 23318 / 239 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 10, 2026 |
| Property Address | 15154 SAPLING RIDGE DR, DAYTON, MD 21036-1259 |
| Document Number | 2331000239 |
| Book / Page | 23318 / 239 |
| Instrument Date | Jun 24, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2026 |
| Title Company | REALTY TITLE INC, REALTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575,600.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 15154 SAPLING RIDGE DR, DAYTON, MD 21036-1259 |
| Document Number | 2331000251, |
|---|---|
| Date | Jul 10, 2026 |
| Book Page | 23318/251 |
| Name | ATLANTIC BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
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 | $10,091.00 (-18.36%) Homeowner's exemption | $1,126,433 (+3.29%) | $1,198,100 (+9.86%) Land $310,300 Building $887,800 |
| 2025 | $12,361.00 (+49.2%) Homeowner's exemption | $1,090,600 (+27.69%) Land $280,300 Building $810,300 | $1,090,600 (-) Land $280,300 Building $810,300 |
| 2023 | $854,067 | $1,090,600 Land $280,300 Building $810,300 | |
| 2022 | $8,285.00 |
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 | 7 in force |
| Nearby Flood Claims | 2 (2012–2014) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2014 · rainfall accumulation |
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 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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