Howard County property record for 8645 Tower Dr, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,566 sqft · built 1984 |
| Lot Size | 0.489 acres (21,300 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $38,700 (Jun 1987) |
| Tax Bill | $7,422 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-437869 |
| Primary APN | 06-437869 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,566 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 21,300 sqft (0.489 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 172 sqft |
| Patio Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 437869 |
|---|---|
| Street Address | 8645 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 11 8645 TOWER DRIVE TOWER ACRES |
| Legal Subdivision | TOWER ACRES |
| Legal Lot Number | 11 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 606805 |
Source: Howard County assessment roll, as of August 4, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 8645 TOWER DR, LAUREL, MD 20723-1244 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 18, 1987 · Amount on Record |
| Deed Sale | Jun 18, 1987 · Amount on Record |
| Prior Sale | Jun 18, 1987 · Amount on Record |
| Deed Book / Page | 914 / 629 |
| Last Transfer Date | Sep 18, 2014 |
| Transfer Doc | 0158530089 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 8645 TOWER DR, LAUREL, MD 20723-1244 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0203450257 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 20345/257 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Howard County assessment roll, as of August 4, 2025
| 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 | $496,800 (+4.33%) | $538,000 (+12.98%) Land $300,100 Building $237,900 | |
| 2025 | $7,422.00 (+4.56%) Homeowner's exemption | $476,200 (+10.25%) Land $250,100 Building $226,100 | $476,200 (-) Land $250,100 Building $226,100 |
| 2024 | $7,098.00 (+53.84%) | ||
| 2023 | $431,933 | $476,200 Land $250,100 Building $226,100 | |
| 2022 | $4,614.00 |
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 | 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.
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.
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 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 |
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