Howard County property record for 7809 Belgaro Rd, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,736 sqft · built 1961 |
| Lot Size | 0.472 acres (20,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Jul 2021) |
| Tax Bill | $7,432 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-399118 |
| Primary APN | 06-399118 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,736 sqft Total Area |
| Basement Area | 700 sqft |
| Finished Basement | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 20,560 sqft (0.472 acres) |
| Garage Type | Detached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 399118 |
|---|---|
| Street Address | 7809 BELGARO RD |
| City | LAUREL |
| State | MD |
| Zip | 20723-1106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 6 20,560 SQ' 7809 BELGARO RD HAMMOND PARK S6 |
| Legal Subdivision | HAMMOND PARK SEC 6 |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 606808 |
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 | 7809 BELGARO RD, LAUREL, MD 20723-1106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Jul 29, 2021 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2021 · Amount on Record |
| Deed Sale | Jul 29, 2021 · Amount on Record |
| Prior Sale | Mar 19, 2013 · Amount on Record |
| Deed Book / Page | 20761 / 169 |
| Prior Transfer Date | Nov 6, 2015 |
| Prior Transfer Doc | 0166730154 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 7809 BELGARO RD, LAUREL, MD 20723-1106 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Title Company | UNKNOWN, RGS TITLE LLC MATS |
| Name | Verified Name |
|---|
| Document Number | 0229340497 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | 22934/497 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 29, 2021 |
| Property Address | 7809 BELGARO RD, LAUREL, MD 20723-1106 |
| Document Number | 0207610169 |
| Book / Page | 20761 / 169 |
| Map Reference | MB RHM 8 FO 1 |
| Instrument Date | Jul 19, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | PASSPORT TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7809 BELGARO RD, LAUREL, MD 20723-1106 |
| Document Number | 20761175 |
|---|---|
| Date | Jul 29, 2021 |
| Instrument | 20761/175 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
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 | $7,432.00 (-1.26%) Homeowner's exemption | $535,900 (+3.9%) | $576,100 (+11.69%) Land $299,700 Building $276,400 |
| 2025 | $7,527.00 (+4.86%) Homeowner's exemption | $515,800 (+15.68%) Land $249,700 Building $266,100 | $515,800 (-) Land $249,700 Building $266,100 |
| 2024 | $7,178.00 (+55.17%) | ||
| 2023 | $445,867 | $515,800 Land $249,700 Building $266,100 | |
| 2022 | $4,626.00 |
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 | 1 (2020) |
| Most Recent Claim | Aug 2020 · 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 98% of the US · lower than 96% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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