Howard County property record for 8620 Summer Waves Way, Laurel, MD 20723
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 2,840 sqft · built 2012 |
| Lot Size | 0.048 acres (2,102 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $621,000 (Jul 2023) |
| Tax Bill | $8,197 (2026) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-591337 |
| Primary APN | 06-591337 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,840 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,102 sqft (0.048 acres) |
| Garage Type | Built-in |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 591337 |
|---|---|
| Street Address | 8620 SUMMER WAVES WAY |
| City | LAUREL |
| State | MD |
| Zip | 20723-5940 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | MXD 3 |
| Legal Description | LOT 13 2,102 SQ' 8620 SUMMER WAVES WAY EMERSON SEC 2 AR 7 RSB A |
| Legal Subdivision | EMERSON |
| Legal Lot Number | 13 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 606907 |
8620 Summer Waves Way, a townhouse, is owned and occupied by two individuals who bought it in July 2023.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8620 SUMMER WAVES WAY, LAUREL, MD 20723-5940 |
| 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 |
|---|---|
| Jul 13, 2023 | Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Feb 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PRIME LNDG |
| Sep 14, 2018 | Grant Deed, Transfer · Conventional Mortgage CITADEL SVCNG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2023 · Amount on File |
| Deed Sale | Jul 13, 2023 · Amount on File |
| Prior Sale | Sep 14, 2018 · Amount on File |
| Deed Book / Page | 22041 / 60 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 13, 2023 |
| Property Address | 8620 SUMMER WAVES WAY, LAUREL, MD 20723-5940 |
| Document Number | 0220410060 |
| Book / Page | 22041 / 60 |
| Map Reference | PL MDR 21094 |
| Instrument Date | Jun 22, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2023 |
| Title Company | CARDINAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,552.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8620 SUMMER WAVES WAY, LAUREL, MD 20723-5940 |
| Document Number | 0002204167 |
|---|---|
| Date | Jul 13, 2023 |
| Instrument | 22041/67 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 8620 SUMMER WAVES WAY, LAUREL, MD 20723-5940 |
| Document Number | 0191770265 |
| Instrument Date | Feb 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2020 |
| Title Company | CLASSIC SETTLEMENTS INC |
| Name | Verified Name |
|---|---|
| Address | 8620 SUMMER WAVES WAY LAUREL MD 207235940, LAUREL, MD 20723-5940 |
| Document Number | 0191770265 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 019177/000265 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 11, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 14, 2018 |
| Property Address | 8620 SUMMER WAVES WAY, LAUREL, MD 20723-5940 |
| Document Number | 0183640311 |
| Book / Page | 018364 / 000311 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2019 |
| Title Company | VELOCITY NATIONAL TITLE COMPANY, VELOCITY NAT'L TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $465.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8620 SUMMER WAVES WAY LAUREL MD 207235940, LAUREL, MD 20723-5940 |
| Document Number | 183640316 |
|---|---|
| Date | Sep 14, 2018 |
| Book Page | 018364/000316 |
| Name | CITADEL SVCNG CORP |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 13, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
The 2026 property tax bill for 8620 Summer Waves Way was $8,197 with a homeowner's exemption, up 2.5% 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 | $8,197.00 (+2.49%) Homeowner's exemption | $570,167 (+6.91%) | $643,900 (+20.74%) Land $230,000 Building $413,900 |
| 2025 | $7,998.00 Homeowner's exemption | $533,300 Land $130,000 Building $403,300 | $533,300 Land $130,000 Building $403,300 |
| 2023 | $467,967 (+7.5%) | $533,300 (+22.51%) Land $130,000 Building $403,300 | |
| 2022 | $4,901.00 Homeowner's exemption | $435,300 Land $160,000 Building $275,300 | $435,300 Land $160,000 Building $275,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8620 Summer Waves Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2 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 risk around 8620 Summer Waves Way 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 99.1% of the US · lower than 98.5% 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.
Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
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