8649 Tower Dr, Laurel, MD 20723 Property Records

Howard County property record for 8649 Tower Dr, Laurel, MD 20723 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,296 sqft · built 1980
Lot Size	0.489 acres (21,300 sqft)
Owner	Individual Name on File
Tax Bill	$8,003 (2025)
Deeds & Mortgages	May 2017 Mortgage May 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-437885`

Property Details

APN / Parcel Number

Primary APN	`06-437885`
Alternative APNs	`6437885` `437885`

Interior

Full Baths	3 Baths
Building Area	1,296 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,300 sqft (0.489 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	216 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	437885
Street Address	8649 TOWER DR
City	LAUREL
State	MD
Zip	20723-1244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 8649 TOWER DR TOWER ACRES
Legal Subdivision	TOWER ACRES
Legal Lot Number	10
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3005
Census Tract	606805

Owner

Source: Howard County records · APN 06-437885

Assessment roll updated August 4, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	8649 TOWER DR, LAUREL, MD 20723-1244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 05, 2017	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 25, 2018	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 24, 2020	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Apr 06, 2022	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Feb 14, 2020	Intrafamily Transfer, Transfer · FHA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 14, 2020
Deed Sale	Feb 14, 2020
Prior Sale	Oct 09, 1996 · Amount on Record
Deed Book / Page	19184 / 290
Prior Transfer Date	Sep 19, 2019
Prior Transfer Doc	0191840290
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	8649 TOWER DR, LAUREL, MD 20723-1244
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0175710356
Date	May 05, 2017
Book Page	17571/356
Instrument	17571-356

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 01, 2047

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	8649 TOWER DR, LAUREL, MD 20723-1244
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	MD TITLE INS PRODUCRE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0181930270
Date	May 25, 2018
Book Page	18193/270

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	8649 TOWER DR, LAUREL, MD 20723-1244
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	AVENUE 365 LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0199580217
Date	Nov 24, 2020
Book Page	19958/217

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	8649 TOWER DR, LAUREL, MD 20723-1244
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	AVENUE 365 LENDER SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0214430076
Date	Apr 06, 2022
Book Page	21443/76

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Dec 01, 2051

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD MD
Recording Date	Feb 14, 2020
Property Address	8649 TOWER DR, LAUREL, MD 20723-1244
Document Number	0191840290
Book / Page	19184 / 290
Map Reference	MB 5 FO 40
Instrument Date	Sep 19, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8649 TOWER DR, LAUREL, MD 20723-1244

Mortgage

Document Number	19184296
Date	Feb 14, 2020
Instrument	19184/296

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Oct 01, 2049

Tax Assessment & Valuation

Source: Howard County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Howard County
Unified School District	Howard County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$543,633 (+3.21%)	$577,500 (+9.64%) Land $300,100 Building $277,400
2025	$8,003.00 (+4.64%) Homeowner's exemption	$526,700 (+11.09%) Land $250,100 Building $276,600	$526,700 (-) Land $250,100 Building $276,600
2024	$7,648.00 (+51.69%)
2023		$474,100	$526,700 Land $250,100 Building $276,600
2022	$5,042.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Howard County (24027C), updated October 31, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240276068053, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 218 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 250
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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