8805 Cardinal Ct, Laurel, MD 20723 Property Records

Howard County property record for 8805 Cardinal Ct, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,693 sqft · built 1985
Lot Size	0.331 acres (14,418 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Jun 2020)
Tax Bill	$8,303 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-485049`

Property Details

APN / Parcel Number

Primary APN	`06-485049`
Alternative APNs	`6485049` `485049`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,693 sqft Total Area
Basement Area	802 sqft
Finished Basement	802 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,418 sqft (0.331 acres)
Garage Type	Mixed
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Deck Area	288 sqft
Shed	1 Shed
Shed Area	81 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	485049
Street Address	8805 CARDINAL CT
City	LAUREL
State	MD
Zip	20723-1241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 55 .331 A 8805 CARDINAL CT CARDINAL FOREST S 1 AR 5
Legal Subdivision	CARDINAL FOREST SEC 01 AR 05
Legal Lot Number	55
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3000
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 Individual Names on Record
Mailing Address	8805 CARDINAL CT, LAUREL, MD 20723-1241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2020 · Amount on Record
Deed Sale	Jun 19, 2020 · Amount on Record
Prior Sale	May 2, 1990 · Amount on Record
Deed Book / Page	19449 / 453
Record Updated	Oct 29, 2026

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HOWARD MD
Recording Date	Jun 19, 2020
Property Address	8805 CARDINAL CT, LAUREL, MD 20723-1241
Document Number	0194490453
Book / Page	19449 / 453
Map Reference	MB 5924
Instrument Date	Jun 5, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,812.50
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	8805 CARDINAL CT, LAUREL, MD 20723-1241

Mortgage

Document Number	19449463
Date	Jun 19, 2020
Instrument	19449/463

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	$8,303.00 (-11.28%) Homeowner's exemption	$749,700 (+5.28%)	$824,900 (+15.84%) Land $361,700 Building $463,200
2025	$9,359.00 (+61.72%) Homeowner's exemption	$712,100 (+22.77%) Land $246,700 Building $465,400	$712,100 (-) Land $246,700 Building $465,400
2023		$580,033	$712,100 Land $246,700 Building $465,400
2022	$5,787.00

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	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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250