Howard County property record for 8613 Garnet Rock Gate, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 4,556 sqft · built 2004 |
| Lot Size | 0.321 acres (13,972 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $563,600 (Sep 2016) |
| Tax Bill | $12,096 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-571646 |
| Primary APN | 06-571646 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,556 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,972 sqft (0.321 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 800 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 571646 |
|---|---|
| Street Address | 8613 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 84 13972 SQ 8613 GARNET ROCK GATE STONE LAKE RSB PAR E |
| Legal Subdivision | STONE LAKE |
| Legal Block | 9999 |
| Legal Lot Number | 84 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 606905 |
8613 Garnet Rock Gate is owned and occupied by two individuals who acquired it in March 2017.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8613 GARNET ROCK GATE, LAUREL, MD 20723-4902 |
| 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.
| Date | Document |
|---|---|
| Jan 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FEDERATED MORTGAGE CORP |
| Apr 4, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage THIRD FED'L S&L/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2016 · Amount on File |
| Deed Sale | Sep 9, 2016 · Amount on File |
| Prior Sale | Feb 18, 2016 · Amount on File |
| Deed Book / Page | 17100 / 301 |
| Last Transfer Date | Mar 29, 2017 |
| Transfer Doc | 0175210192 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 8613 GARNET ROCK GATE, LAUREL, MD 20723-4902 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0201470311 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 20147/311 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 8613 GARNET ROCK GATE, LAUREL, MD 20723-4902 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0195190026 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 19519/26 |
| Name | FEDERATED MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 4, 2017 |
| Property Address | 8613 GARNET ROCK GATE, LAUREL, MD 20723-4902 |
| Document Number | 0175210192 |
| Book / Page | 017521 / 000192 |
| Instrument Date | Mar 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2017 |
| Title Company | CORPORATE SETTLEMENT SOLUTIONS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8613 GARNET ROCK GATE LAUREL MD 207234902, LAUREL, MD 20723-4902 |
| Document Number | 175210196 |
|---|---|
| Date | Apr 4, 2017 |
| Book Page | 017521/000196 |
| Name | THIRD FED'L S&L/CLEVELAND |
|---|---|
| Type | Federal Savings Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 3, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.79% |
The 2026 property tax bill for 8613 Garnet Rock Gate was $12,096 with a homeowner's exemption, down 7.4% from the year before.
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 | $12,096.00 (-7.43%) Homeowner's exemption | $1,011,533 (+4.49%) | $1,098,400 (+13.46%) Land $346,400 Building $752,000 |
| 2025 | $13,067.00 (+5.33%) Homeowner's exemption | $968,100 Land $246,400 Building $721,700 | $968,100 Land $246,400 Building $721,700 |
| 2024 | $12,406.00 | ||
| 2023 | $806,167 | $968,100 Land $246,400 Building $721,700 | |
| 2022 | $8,165.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8613 Garnet Rock Gate 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 risk around 8613 Garnet Rock Gate 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 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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