8617 Water Fall Dr, Laurel, MD 20723 Property Records

Howard County property record for 8617 Water Fall Dr, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,356 sqft · built 1999
Lot Size	0.321 acres (14,001 sqft)
Owner	2 Trust Names on File
Last Sale	$442,500 (May 2003)
Tax Bill	$9,525 (2026)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-558461`

Property Details

APN / Parcel Number

Primary APN	`06-558461`
Alternative APNs	`6558461` `558461`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,356 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,001 sqft (0.321 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	558461
Street Address	8617 WATER FALL DR
City	LAUREL
State	MD
Zip	20723-2044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 42 14001 SQ 8617 WATER FALL DR CHERRY CREEK OVERLOOK S1
Legal Subdivision	CHERRY CREEK
Legal Block	9999
Legal Lot Number	42
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1001
Census Tract	606805

Owner

8617 Water Fall Dr is owner-occupied and held in a trust since May 2003.

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

Owner of Record	2 Trust Names on File
Mailing Address	8617 WATER FALL DR, LAUREL, MD 20723-2044
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2003 · Amount on File
Deed Sale	May 27, 2003 · Amount on File
Prior Sale	Jul 16, 2002 · Amount on File
Deed Document Number	20034607
Deed Book / Page	7208 / 439
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	8617 WATER FALL DR, LAUREL, MD 20723-2044
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	PROPERTY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8617 WATER FALL DR, LAUREL, MD 20723-2044

Mortgage

Document Number	0205050366
Date	Apr 30, 2021
Book Page	20505/366

Lender

Name	CORNERSTONE FIRST FINANCIAL LLC
Type	Mortgage Company
Address	WASHINGTON, DC 20007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 8617 Water Fall Dr was $9,525 with a homeowner's exemption, up 1.4% 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	$9,525.00 (+1.44%) Homeowner's exemption	$647,800 (+4.6%)	$704,800 (+13.81%) Land $296,500 Building $408,300
2025	$9,390.00 Homeowner's exemption	$619,300 Land $246,500 Building $372,800	$619,300 Land $246,500 Building $372,800
2023		$547,700	$619,300 Land $246,500 Building $372,800
2022	$5,763.00

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

Flood

FEMA maps place 8617 Water Fall Dr in Zone X, an area of minimal flood risk.

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	6 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

Wildfire risk around 8617 Water Fall Dr is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 69 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