Howard County property record for 8627 Water Fall Dr, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,192 sqft · built 1999 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $560,000 (Aug 2018) |
| Tax Bill | $10,609 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-558437 |
| Primary APN | 06-558437 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,192 sqft Total Area |
| Basement Area | 870 sqft |
| Finished Basement | 870 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 420 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 558437 |
|---|---|
| Street Address | 8627 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 39 14000 SQ 8627 WATER FALL DR CHERRY CREEK OVERLOOK S1 |
| Legal Subdivision | CHERRY CREEK |
| Legal Block | 9999 |
| Legal Lot Number | 39 |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 8627 WATER FALL DR, LAUREL, MD 20723-2044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Nov 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU |
| Aug 3, 2018 | Deed, Transfer · VA Mortgage PENTAGON FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2018 · Amount on Record |
| Deed Sale | Aug 3, 2018 · Amount on Record |
| Prior Sale | Jun 14, 1999 · Amount on Record |
| Deed Book / Page | 18305 / 99 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 8627 WATER FALL DR, LAUREL, MD 20723-2044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 8627 WATER FALL DR, LAUREL, MD 20723-2044 |
| Document Number | 0213230083 |
|---|---|
| Date | Feb 8, 2022 |
| Book Page | 21323/83 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 8627 WATER FALL DR, LAUREL, MD 20723-2044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | BROADVIEW TITLE |
| Name | Verified Name |
|---|
| Document Number | 0189960005 |
|---|---|
| Date | Nov 5, 2019 |
| Book Page | 18996/005 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22313 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Aug 3, 2018 |
| Property Address | 8627 WATER FALL DR, LAUREL, MD 20723-2044 |
| Document Number | 0183050099 |
| Book / Page | 18305 / 099 |
| Map Reference | PL13194-13197 |
| Instrument Date | Jul 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | BROADVIEW TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 8627 WATER FALL DR, LAUREL, MD 20723-2044 |
| Document Number | 0018305131 |
|---|---|
| Date | Aug 3, 2018 |
| Instrument | 18305/131 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jul 27, 2033 |
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 | $10,609.00 (+4.58%) | $681,133 (+4.6%) | $741,000 (+13.79%) Land $296,500 Building $444,500 |
| 2025 | $10,144.00 (+68.2%) | $651,200 (+13.41%) Land $246,500 Building $404,700 | $651,200 (-) Land $246,500 Building $404,700 |
| 2023 | $574,200 | $651,200 Land $246,500 Building $404,700 | |
| 2022 | $6,031.00 |
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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