Howard County property record for 9687 Spratley Ave, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 1,574 sqft · built 1999 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Apr 2020) |
| Tax Bill | $6,404 (2026) |
| Deeds & Mortgages | Feb 2026 Line of Credit Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-428991 |
| Primary APN | 06-428991 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,574 sqft Total Area |
| Basement Area | 538 sqft |
| Finished Basement | 538 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 35 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 428991 |
|---|---|
| Street Address | 9687 SPRATLEY AVE |
| City | LAUREL |
| State | MD |
| Zip | 20723-1860 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC |
| Legal Description | LOT 14 BLK G .172 A 9687 SPRATLEY AVE NORTH LAUREL PARK |
| Legal Subdivision | NORTH LAUREL PARK COMPANY SUBDIVISION |
| Legal Block | G |
| Legal Lot Number | 14 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 606906 |
9687 Spratley Ave is owned and occupied by two individuals who bought it in April 2020.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9687 SPRATLEY AVE, LAUREL, MD 20723-1860 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Apr 1, 2020 | Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Feb 23, 2018 | Grant Deed, Transfer · Conventional with PMI CENTURY LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2020 · Amount on File |
| Deed Sale | Apr 1, 2020 · Amount on File |
| Prior Sale | Feb 23, 2018 · Amount on File |
| Deed Book / Page | 19265 / 379 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9687 SPRATLEY AVE, LAUREL, MD 20723-1860 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0231130222 |
|---|---|
| Date | Feb 17, 2026 |
| Book Page | 23113/222 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 25, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 1, 2020 |
| Property Address | 9687 SPRATLEY AVE, LAUREL, MD 20723-1860 |
| Document Number | 0192650379 |
| Book / Page | 19265 / 379 |
| Map Reference | MB 3 PG 47 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | TITLE RITE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Tax | $5,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9687 SPRATLEY AVE, LAUREL, MD 20723-1860 |
| Document Number | 0001926386 |
|---|---|
| Date | Apr 1, 2020 |
| Instrument | 1926/386 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 23, 2018 |
| Property Address | 9687 SPRATLEY AVE, LAUREL, MD 20723-1860 |
| Document Number | 0180610108 |
| Book / Page | 018061 / 000108 |
| Instrument Date | Feb 9, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2018 |
| Title Company | TURNKEY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 9687 SPRATLEY AVE LAUREL MD 207231860, LAUREL, MD 20723-1860 |
| Document Number | 180610113 |
|---|---|
| Date | Feb 23, 2018 |
| Book Page | 018061/000113 |
| Name | CENTURY LNDG |
|---|---|
| Address | LOUISVILLE, KY 40223 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 22, 2048 |
The 2026 property tax bill for 9687 Spratley Ave was $6,404 with a homeowner's exemption, down 3.7% from the year before.
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 | $6,404.00 (-3.67%) Homeowner's exemption | $483,333 (+6.77%) | $544,600 (+20.3%) Land $261,200 Building $283,400 |
| 2025 | $6,648.00 Homeowner's exemption | $452,700 Land $166,200 Building $286,500 | $452,700 Land $166,200 Building $286,500 |
| 2023 | $390,367 | $452,700 Land $166,200 Building $286,500 | |
| 2022 | $4,044.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9687 Spratley Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.
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 | 4 in force |
| Nearby Flood Claims | 2 (2021–2023) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2023 · rainfall accumulation |
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 risk around 9687 Spratley Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% 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: FCC Broadband Data Collection, based on 516 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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