8416 Commercial St, Savage, MD 20763 Property Records

Howard County property record for 8416 Commercial St, Savage, MD 20763

Property Summary

Property Type	Townhouse
Details	2 ba · 1,582 sqft · built 1910
Lot Size	0.081 acres (3,528 sqft)
Owner	Individual Name on File
Last Sale	$233,000 (Nov 2016)
Tax Bill	$3,609 (2026)
Deeds & Mortgages	Mar 2022 Second Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-417620`

Property Details

APN / Parcel Number

Primary APN	`06-417620`
Alternative APNs	`6417620` `417620`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,582 sqft Total Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,528 sqft (0.081 acres)
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	417620
Street Address	8416 COMMERCIAL ST
City	SAVAGE
State	MD
Zip	20763-9639
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R12
Legal Description	.0815 A 8416 COMMERCIAL ST SAVAGE
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3006
Census Tract	606905

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Savage Mill Historic District listed 1975 · 36 contributing resources · NRIS 75000905

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

8416 Commercial St, a townhouse, is owned and occupied by an individual who bought it in November 2016.

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

Owner of Record	Individual Name on File
Mailing Address	8416 COMMERCIAL ST, SAVAGE, MD 20763-9639
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
Mar 21, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MILEND INC
Mar 21, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage MILEND INC
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2016 · Amount on File
Deed Sale	Nov 1, 2016 · Amount on File
Prior Sale	Dec 18, 2015 · Amount on File
Deed Book / Page	17221 / 60
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	8416 COMMERCIAL ST, SAVAGE, MD 20763-9639
Transaction Type	Mortgage
Record Updated	Mar 31, 2022
Title Company	EXPRESS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0214100452
Date	Mar 21, 2022
Book Page	21410/452

Lender

Name	MILEND INC
Type	Mortgage Company
Address	ALPHARETTA, GA 30009

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2042

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD MD
Recording Date	Mar 21, 2022
Property Address	8416 COMMERCIAL ST, SAVAGE, MD 20763-9639
Document Number	0214100429
Book / Page	21410 / 429
Instrument Date	Feb 28, 2022
Transaction Type	Transfer
Record Updated	Mar 31, 2022
Title Company	NOT AVAILABLE, EXPRESS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	8416 COMMERCIAL ST, SAVAGE, MD 20763-9639

Mortgage

Document Number	0021410432
Date	Mar 21, 2022
Instrument	21410/432

Lender

Name	MILEND INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Apr 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	Other
Max Rate	8.75%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	8416 COMMERCIAL ST, SAVAGE, MD 20763-9639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	KVS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0195950339
Date	Aug 6, 2020
Book Page	19595/339

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 8416 Commercial St was $3,609 with a homeowner's exemption, down 7.5% 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	$3,609.00 (-7.51%) Homeowner's exemption	$291,633 (+15.13%)	$368,300 (+45.4%) Land $200,000 Building $168,300
2025	$3,902.00 Homeowner's exemption	$253,300 Land $130,000 Building $123,300	$253,300 Land $130,000 Building $123,300
2023		$232,967	$253,300 Land $130,000 Building $123,300
2022	$2,508.00

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

Flood

FEMA maps place 8416 Commercial St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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	3 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 8416 Commercial St is low, with less than 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 96% of the US · lower than 92% 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.

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

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35
Believe Broadband Fixed Wireless	500 / 100

May also be available: T-Mobile.

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