8281 Murphy Rd, Fulton, MD 20759 Property Records

Howard County property record for 8281 Murphy Rd, Fulton, MD 20759

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,084 sqft · built 1998
Lot Size	3.07 acres (133,729 sqft)
Owner	2 Trust Names on Record
Last Sale	$836,200 (Jun 2007)
Tax Bill	$12,521 (2026)
Deeds & Mortgages	Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-438950`

Property Details

APN / Parcel Number

Primary APN	`05-438950`
Alternative APN	`438950`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,084 sqft Total Area
Basement Area	1,235 sqft
Finished Basement	1,235 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	133,729 sqft (3.07 acres)
Garage Type	Mixed
Garage Area	1,580 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	438950
Street Address	8281 MURPHY RD
City	FULTON
State	MD
Zip	20759-9703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRDEO
Legal Description	LOT 1 3.073 A 8281 MURPHY ROAD IAGER PROPERTY
Legal Subdivision	IAGER PROP
Legal Lot Number	1
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	3
Census Block	3019
Census Tract	605105

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 Record	2 Trust Names on Record
Mailing Address	8281 MURPHY RD, FULTON, MD 20759-9703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2007 · Amount on Record
Deed Sale	Jun 20, 2007 · Amount on Record
Prior Sale	Jan 29, 2004 · Amount on Record
Deed Document Number	200780338
Deed Book / Page	10749 / 517
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	8281 MURPHY RD, FULTON, MD 20759-9703
Transaction Type	Mortgage
Record Updated	Nov 15, 2023
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8281 MURPHY RD, FULTON, MD 20759-9703

Mortgage

Document Number	0221690417
Date	Nov 2, 2023
Book Page	22169/417

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Nov 1, 2026
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year TN
Margin	2
Max Rate	10%

Tax Assessment & Valuation

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	$12,521.00 (-1.31%) Homeowner's exemption	$994,433 (+7.53%)	$1,133,700 (+22.59%) Land $386,700 Building $747,000
2025	$12,687.00 (+47.73%) Homeowner's exemption	$924,800 (+13.23%) Land $296,700 Building $628,100	$924,800 (-) Land $296,700 Building $628,100
2023		$816,733	$924,800 Land $296,700 Building $628,100
2022	$8,588.00

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 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

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20