8626 Summer Waves Way, Laurel, MD 20723 Property Records

Howard County property record for 8626 Summer Waves Way, Laurel, MD 20723

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,860 sqft · built 2012
Lot Size	0.048 acres (2,103 sqft)
Owner	2 Individual Names on Record
Last Sale	$487,000 (May 2021)
Tax Bill	$7,614 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-591302`

Property Details

APN / Parcel Number

Primary APN	`06-591302`
Alternative APN	`591302`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,860 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,103 sqft (0.048 acres)
Garage Type	Built-in
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	591302
Street Address	8626 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 10 2,103 SQ' 8626 SUMMER WAVES WAY EMERSON SEC 2 AR 7 RSB A
Legal Subdivision	EMERSON SEC 02
Legal Lot Number	10
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1002
Census Tract	606907

Owner

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 Individual Names on Record
Mailing Address	8626 SUMMER WAVES WAY, LAUREL, MD 20723-5940
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2021 · Amount on Record
Deed Sale	May 27, 2021 · Amount on Record
Prior Sale	Jun 9, 2016 · Amount on Record
Deed Book / Page	20594 / 107
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	May 27, 2021
Property Address	8626 SUMMER WAVES WAY, LAUREL, MD 20723-5940
Document Number	0205940107
Book / Page	20594 / 107
Map Reference	PL MDR 21093
Instrument Date	Feb 5, 2021
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	PERFECTION TITLE LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8626 SUMMER WAVES WAY, LAUREL, MD 20723-5940

Mortgage

Document Number	20594115
Date	May 27, 2021
Instrument	20594/115

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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	$7,614.00 (-2.06%) Homeowner's exemption	$576,467 (+5.93%)	$641,000 (+17.79%) Land $230,000 Building $411,000
2025	$7,774.00 (+57.98%) Homeowner's exemption	$544,200 (+15.1%) Land $130,000 Building $414,200	$544,200 (-) Land $130,000 Building $414,200
2023		$472,800	$544,200 Land $130,000 Building $414,200
2022	$4,921.00

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

Flood

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

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.

Internet Providers

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