Howard County property record for 8623 Water Fall Dr, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,324 sqft · built 1999 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $268,698 (Jun 1999) |
| Tax Bill | $9,954 (2026) |
| Deeds & Mortgages | Jun 2017 Line of Credit Sep 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-558445 |
| Primary APN | 06-558445 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,324 sqft Total Area |
| Basement Area | 504 sqft |
| Finished Basement | 504 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 14,000 sqft (0.321 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 558445 |
|---|---|
| Street Address | 8623 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 40 14000 SQ 8623 WATER FALL DR CHERRY CREEK OVERLOOK S1 |
| Legal Subdivision | CHERRY CREEK |
| Legal Block | 9999 |
| Legal Lot Number | 40 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 606805 |
Source: Howard County records, as of September 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 8623 WATER FALL DR, LAUREL, MD 20723-2044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 21, 2017 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Sep 6, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage PENTAGON FCU |
| Oct 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 1999 · Amount on Record |
| Deed Sale | Jun 4, 1999 · Amount on Record |
| Prior Sale | Feb 26, 1999 · Amount on Record |
| Deed Document Number | 19994610 |
| Deed Book / Page | 4766 / 109 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 8623 WATER FALL DR, LAUREL, MD 20723-2044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0176540206 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 17654/206 |
| Instrument | 17654-206 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 31, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 8623 WATER FALL DR, LAUREL, MD 20723-2044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0183490420 |
|---|---|
| Date | Sep 6, 2018 |
| Book Page | 18349/420 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22313 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 15, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 8623 WATER FALL DR, LAUREL, MD 20723-2044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | FAMS |
| Name | Verified Name |
|---|
| Document Number | 0210070409 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 21007/409 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Jun 1, 2050 |
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 | $9,954.00 (+1.05%) Homeowner's exemption | $678,167 (+4.61%) | $737,900 (+13.82%) Land $296,500 Building $441,400 |
| 2025 | $9,851.00 (+64.02%) Homeowner's exemption | $648,300 (+13.4%) Land $246,500 Building $401,800 | $648,300 (-) Land $246,500 Building $401,800 |
| 2023 | $571,700 | $648,300 Land $246,500 Building $401,800 | |
| 2022 | $6,006.00 |
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 | 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.
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.
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 |
| 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.
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 |
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