8638 Tower Dr, Laurel, MD 20723 Property Records

Howard County property record for 8638 Tower Dr, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,679 sqft · built 1957
Lot Size	0.484 acres (21,083 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Dec 2019)
Tax Bill	$6,147 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-392008`

Property Details

APN / Parcel Number

Primary APN	`06-392008`
Alternative APNs	`6392008` `392008`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,679 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	21,083 sqft (0.484 acres)
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	392008
Street Address	8638 TOWER DR
City	LAUREL
State	MD
Zip	20723-1244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 3 8638 TOWER DR TOWER ACRES LAURL
Legal Subdivision	TOWER ACRES
Legal Lot Number	3
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3005
Census Tract	606805

Owner

Source: Howard County records, as of August 18, 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	8638 TOWER DR, LAUREL, MD 20723-1244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2019 · Amount on Record
Deed Sale	Dec 27, 2019 · Amount on Record
Deed Book / Page	19090 / 480
Prior Transfer Date	Apr 24, 2013
Prior Transfer Doc	0148940044
Record Updated	Sep 20, 2026

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Dec 27, 2019
Property Address	8638 TOWER DR, LAUREL, MD 20723-1244
Document Number	0190900480
Book / Page	19090 / 480
Map Reference	MB 5 PL 40
Instrument Date	Nov 25, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	REALTY TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
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	8638 TOWER DR, LAUREL, MD 20723-1244

Mortgage

Document Number	19090485
Date	Dec 27, 2019
Instrument	19090/485

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Howard County assessment roll, as of August 4, 2025

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		$437,200 (+9.6%)	$513,800 (+28.8%) Land $300,000 Building $213,800
2025	$6,147.00 (+4.36%) Homeowner's exemption	$398,900 (+8.47%) Land $250,000 Building $148,900	$398,900 (-) Land $250,000 Building $148,900
2024	$5,890.00 (+48.55%)
2023		$367,767	$398,900 Land $250,000 Building $148,900
2022	$3,965.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1996 · tidal / storm surge

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 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 218 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
T-Mobile Fixed Wireless	100 / 20