7108 Layton Ct, Elkridge, MD 21075 Property Records

Howard County property record for 7108 Layton Ct, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,282 sqft · built 2002
Lot Size	0.45 acres (19,596 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (May 2018)
Tax Bill	$10,276 (2026)
Deeds & Mortgages	Dec 2019 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-285246`

Property Details

APN / Parcel Number

Primary APN	`01-285246`
Alternative APNs	`1285246` `285246`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,282 sqft Total Area
Basement Area	820 sqft
Finished Basement	820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,596 sqft (0.45 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	285246
Street Address	7108 LAYTON CT
City	ELKRIDGE
State	MD
Zip	21075-5566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 35 19,596 SQ' 7108 LAYTON CT GROVEMONT A RSB OF LT 1
Legal Subdivision	GROVEMONT
Legal Lot Number	1,35
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	1
Census Block	1008
Census Tract	601104

Owner

7108 Layton Ct is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	7108 LAYTON CT, ELKRIDGE, MD 21075-5566
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP
May 23, 2018	Deed, Transfer · Conventional Mortgage CORRIDOR MORTGAGE GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2018 · Amount on File
Deed Sale	May 23, 2018 · Amount on File
Prior Sale	Aug 8, 2014 · Amount on File
Deed Book / Page	18189 / 373
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7108 LAYTON CT, ELKRIDGE, MD 21075-5566
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	COLONY TITLE GROUP LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190850446
Date	Dec 23, 2019
Book Page	19085/446

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	May 23, 2018
Property Address	7108 LAYTON CT, ELKRIDGE, MD 21075-5566
Document Number	0181890373
Book / Page	18189 / 373
Map Reference	MB13823
Instrument Date	May 21, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	COLONY TITLE GROUP LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7108 LAYTON CT, ELKRIDGE, MD 21075-5566

Mortgage

Document Number	0018189378
Date	May 23, 2018
Instrument	18189/378

Lender

Name	CORRIDOR MORTGAGE GROUP INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 7108 Layton Ct was $10,276 with a homeowner's exemption, down 2.7% from the year before.

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	$10,276.00 (-2.67%) Homeowner's exemption	$775,500 (+7.58%) Land $254,200 Building $521,300	$775,500 (-) Land $254,200 Building $521,300
2025	$10,558.00 Homeowner's exemption	$720,867	$775,500 Land $254,200 Building $521,300
2023		$611,600 Land $239,200 Building $372,400	$611,600 Land $239,200 Building $372,400
2022	$6,778.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7108 Layton Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2018 · Severe Storm And Flooding

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

Wildfire risk around 7108 Layton Ct is low, with a 0.01% annual chance of wildfire.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HOWARD COUNTY D.P.W. DISTRIBUTION serves 286,158 people · EPA ID MD0130002
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2024
Lead	3 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Believe Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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