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15181 Sapling Ridge Dr, Dayton, MD 21036 Property Records

Howard County property record for 15181 Sapling Ridge Dr, Dayton, MD 21036

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 3,404 sqft · built 2004
Lot Size1 acres (43,560 sqft)
Owner2 Individual Names on Record
Last Sale$800,000 (Dec 2021)
Tax Bill$10,274 (2026)
Deeds & MortgagesApr 2022 Transfer
Dec 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN05-432871

Property Details

APN / Parcel Number

Primary APN05-432871
Alternative APNs
  • 5432871
  • 432871

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,404 sqft Total Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area43,560 sqft (1 acres)
Garage TypeAttached
Garage Area546 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area35 sqft
Deck Area200 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Account Number432871
Street Address15181 SAPLING RIDGE DR
CityDAYTON
StateMD
Zip21036-1260
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRCDEO
Legal DescriptionLOT 24 1.00 A 15181 SAPLING RIDGE DR HIGH FOREST ESTATES
Legal SubdivisionHIGH FOREST ESTATES
Legal Lot Number24
JurisdictionHOWARD MD
Township / Civil Division5, CLARKSVILLE
Census Block Group2
Census Block2011
Census Tract605104

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 Record2 Individual Names on Record
Mailing Address15181 SAPLING RIDGE DR, DAYTON, MD 21036-1260
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 19, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Dec 2, 2021Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 2, 2021 · Amount on Record
Deed SaleDec 2, 2021 · Amount on Record
Prior SaleFeb 23, 2004 · Amount on Record
Deed Book / Page21165 / 394
Last Transfer DateMar 17, 2022
Transfer Doc0214660185
Record UpdatedOct 29, 2026

April 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHOWARD MD
Recording DateApr 19, 2022
Property Address15181 SAPLING RIDGE DR, DAYTON, MD 21036-1260
Document Number0214660185
Book / Page21466 / 185
Map ReferencePL 13958-13962
Instrument DateMar 17, 2022
Transaction TypeTransfer
Record UpdatedAug 11, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address15181 SAPLING RIDGE DR, DAYTON, MD 21036-1260

December 2021: Deed, Transfer

Document TypeDeed
JurisdictionHOWARD MD
Recording DateDec 2, 2021
Property Address15181 SAPLING RIDGE DR, DAYTON, MD 21036-1260
Document Number0211650394
Book / Page21165 / 394
Map ReferencePL 13958-13962
Instrument DateNov 18, 2021
Transaction TypeTransfer
Record UpdatedAug 11, 2022
Title CompanyCROWN TITLE CORPORATION

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$14,000.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address15181 SAPLING RIDGE DR, DAYTON, MD 21036-1260

Mortgage

Document Number0021165400
DateDec 2, 2021
Instrument21165/400
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyHoward County
Unified School DistrictHoward County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$10,274.00 (-10.7%) Homeowner's exemption$979,667 (+3.32%)$1,042,600 (+9.96%) Land $306,200 Building $736,400
2025$11,505.00 (+5.11%) Homeowner's exemption$948,200 (+31.85%) Land $276,200 Building $672,000$948,200 (-) Land $276,200 Building $672,000
2024$10,946.00 (+60.81%)
2023$719,133$948,200 Land $276,200 Building $672,000
2022$6,807.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims2 (2012–2014)
Claims Outside the SFHA2 of 2
Most Recent ClaimMay 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 53 locations within half a mile, as of December 31, 2025

ProviderMax 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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