Howard County property record for 9438 Northgate Rd, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,804 sqft · built 1981 |
| Lot Size | 0.228 acres (9,931 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $429,000 (Jun 2021) |
| Tax Bill | $6,278 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-455441 |
| Primary APN | 06-455441 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,804 sqft Total Area |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,931 sqft (0.228 acres) |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 455441 |
|---|---|
| Street Address | 9438 NORTHGATE RD |
| City | LAUREL |
| State | MD |
| Zip | 20723-1364 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC |
| Legal Description | LOT 2 .228 A 9438 NORTHGATE RD NORTHGATE WOODS S 1 A 1 |
| Legal Subdivision | NORTHGATE WOODS SEC 01 A 01 |
| Legal Lot Number | 2 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 606904 |
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 | 9438 NORTHGATE RD, LAUREL, MD 20723-1364 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 2, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN |
| Jun 29, 2021 | Deed, Transfer · FHA Mortgage EAGLE BANK |
| Aug 10, 2017 | Deed of Trust, Mortgage · FHA Mortgage FELLOWSHIP HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2021 · Amount on Record |
| Deed Sale | Jun 29, 2021 · Amount on Record |
| Prior Sale | Aug 25, 2005 · Amount on Record |
| Deed Book / Page | 20675 / 185 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 2, 2026 |
| Property Address | 9438 NORTHGATE RD, LAUREL, MD 20723-1364 |
| Document Number | 2331000475 |
| Book / Page | 23314 / 475 |
| Instrument Date | May 29, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|---|
| Address | 9438 NORTHGATE RD, LAUREL, MD 20723-1364 |
| Document Number | 2331000475, |
|---|---|
| Date | Jul 2, 2026 |
| Book Page | 23314/475 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 1, 2051 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jun 29, 2021 |
| Property Address | 9438 NORTHGATE RD, LAUREL, MD 20723-1364 |
| Document Number | 0206750185 |
| Book / Page | 20675 / 185 |
| Map Reference | PL 4533 |
| Instrument Date | Jun 4, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2021 |
| Title Company | NOT AVAILABLE, MULTIPLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,435.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9438 NORTHGATE RD, LAUREL, MD 20723-1364 |
| Document Number | 20675191 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 20675/191 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9438 NORTHGATE RD, LAUREL, MD 20723-1364 |
| Document Number | 0177640372 |
| Book / Page | 017764 / 000372 |
| Instrument Date | Aug 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2017 |
| Title Company | QUICK CLOSE SERVICES INC, QUICK CLOSE SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9438 NORTHGATE RD LAUREL MD 207231364, LAUREL, MD 20723-1364 |
| Document Number | 0177640372 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 017764/000372 |
| Name | FELLOWSHIP HM LOANS |
|---|---|
| Address | JERICHO, NY 11753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2047 |
Source: Howard County assessment roll, as of September 4, 2026
| 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 | $6,278.00 (-1.35%) Homeowner's exemption | $460,767 (+9.34%) | $539,500 (+28.03%) Land $272,100 Building $267,400 |
| 2025 | $6,364.00 (+61.32%) Homeowner's exemption | $421,400 (+12.65%) Land $177,100 Building $244,300 | $421,400 (-) Land $177,100 Building $244,300 |
| 2023 | $374,067 | $421,400 Land $177,100 Building $244,300 | |
| 2022 | $3,945.00 |
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 | 2 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2014 · other causes |
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 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
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 303 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 |
| Believe Broadband Fixed Wireless | 500 / 100 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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