Howard County property record for 8604 Garnet Rock Gate, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 3,780 sqft · built 2005 |
| Lot Size | 0.269 acres (11,728 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $895,000 (Jan 2022) |
| Tax Bill | $11,984 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-571670 |
| Primary APN | 06-571670 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,780 sqft Total Area |
| Basement Area | 1,443 sqft |
| Finished Basement | 1,443 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,728 sqft (0.269 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 571670 |
|---|---|
| Street Address | 8604 GARNET ROCK GATE |
| City | LAUREL |
| State | MD |
| Zip | 20723-4902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RED |
| Legal Description | LOT 87 11728 SQ 8604 GARNET ROCK GATE STONE LAKE RSB PAR E |
| Legal Subdivision | STONE LAKE |
| Legal Block | 9999 |
| Legal Lot Number | 87 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 606905 |
Source: Howard County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 8604 GARNET ROCK GATE, LAUREL, MD 20723-4902 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jul 1, 2026 | Warranty Deed, Transfer RED ROCK TITLE INSURANCE AGENCY, RED ROCK TITLE |
| Mar 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EQUITY PRIME MORTGAGE LLC |
| Jan 20, 2022 | Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Apr 6, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2022 · Amount on Record |
| Deed Sale | Jan 20, 2022 · Amount on Record |
| Prior Sale | Mar 25, 2005 · Amount on Record |
| Deed Book / Page | 21275 / 417 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 1, 2026 |
| Property Address | 8604 GARNET ROCK GATE, LAUREL, MD 20723-4902 |
| Document Number | 2330000442 |
| Book / Page | 23309 / 442 |
| Instrument Date | Apr 1, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2026 |
| Title Company | RED ROCK TITLE INSURANCE AGENCY, RED ROCK TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 8604 GARNET ROCK GATE, LAUREL, MD 20723-4902 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 8604 GARNET ROCK GATE, LAUREL, MD 20723-4902 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | UNIVERSAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0203290059 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 20329/59 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jan 20, 2022 |
| Property Address | 8604 GARNET ROCK GATE, LAUREL, MD 20723-4902 |
| Document Number | 0212750417 |
| Book / Page | 21275 / 417 |
| Map Reference | PL 15538 |
| Instrument Date | Jan 4, 2022 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2022 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15,662.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8604 GARNET ROCK GATE, LAUREL, MD 20723-4902 |
| Document Number | 0021275425 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 21275/425 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 8604 GARNET ROCK GATE, LAUREL, MD 20723-4902 |
| Document Number | 0194830133 |
| Instrument Date | Apr 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 8604 GARNET ROCK GATE LAUREL MD 207234902, LAUREL, MD 20723-4902 |
| Document Number | 0194830133 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 019483/000133 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 28, 2050 |
Source: Howard County assessment roll, as of August 4, 2025
| 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 | $967,000 (+4.62%) | $1,052,400 (+13.86%) Land $340,200 Building $712,200 | |
| 2025 | $11,984.00 (+62.43%) Homeowner's exemption | $924,300 (+24.07%) Land $240,200 Building $684,100 | $924,300 (-) Land $240,200 Building $684,100 |
| 2023 | $744,967 | $924,300 Land $240,200 Building $684,100 | |
| 2022 | $7,378.00 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 89% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 288 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 |
| Believe Broadband Fixed Wireless | 500 / 100 |
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