8640 Water Fall Dr, Laurel, MD 20723 Property Records

Howard County property record for 8640 Water Fall Dr, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,744 sqft · built 2000
Lot Size	0.326 acres (14,181 sqft)
Owner	2 Trust Names on Record
Last Sale	$324,170 (Nov 1999)
Tax Bill	$10,074 (2026)
Deeds & Mortgages	Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-558321`

Property Details

APN / Parcel Number

Primary APN	`06-558321`
Alternative APNs	`6558321` `558321`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,744 sqft Total Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,181 sqft (0.326 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	224 sqft
Deck Area	620 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	558321
Street Address	8640 WATER FALL DR
City	LAUREL
State	MD
Zip	20723-2033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 29 14181 SQ 8640 WATER FALL DR CHERRY CREEK OVERLOOK S1
Legal Subdivision	CHERRY CREEK
Legal Block	9999
Legal Lot Number	29
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1001
Census Tract	606805

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 Trust Names on Record
Mailing Address	8640 WATER FALL DR, LAUREL, MD 20723-2033
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 1999 · Amount on Record
Deed Sale	Nov 3, 1999 · Amount on Record
Prior Sale	May 27, 1999 · Amount on Record
Deed Document Number	19999175
Deed Book / Page	4931 / 157
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	8640 WATER FALL DR, LAUREL, MD 20723-2033
Document Number	0175280307
Book / Page	017528 / 000307
Instrument Date	Mar 28, 2017
Transaction Type	Mortgage
Record Updated	Apr 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8640 WATER FALL DR LAUREL MD 207232033, LAUREL, MD 20723-2033

Mortgage

Document Number	0175280307
Date	Apr 7, 2017
Book Page	017528/000307

Lender

Name	MONTGOMERY COUNTY EFCU
Address	GERMANTOWN, MD 20874

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 6, 2037

Interest

Rate Type	Adjustable Rate

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	$10,074.00 (+4.59%)	$645,833 (+4.61%)	$702,700 (+13.82%) Land $296,500 Building $406,200
2025	$9,632.00 (+67.98%)	$617,400 (+13.22%) Land $246,500 Building $370,900	$617,400 (-) Land $246,500 Building $370,900
2023		$545,333	$617,400 Land $246,500 Building $370,900
2022	$5,734.00

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	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.

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	Direct burnable vegetation

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 352 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20