Howard County property record for 9695 Spratley Ave, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,726 sqft · built 1999 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $459,000 (Dec 2019) |
| Tax Bill | $7,638 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-429335 |
| Primary APN | 06-429335 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,726 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 94 sqft |
| Deck Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 429335 |
|---|---|
| Street Address | 9695 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 12 BLK G .172 A 9695 SPRATLEY AVE NORTH LAUREL PARK |
| Legal Subdivision | NORTH LAUREL PARK COMPANY SUBDIVISION |
| Legal Block | G |
| Legal Lot Number | 12 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 606906 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 9695 SPRATLEY AVE, LAUREL, MD 20723-1860 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2021 | Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC |
| Dec 9, 2019 | Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2019 · Amount on Record |
| Deed Sale | Dec 9, 2019 · Amount on Record |
| Prior Sale | Mar 5, 2009 |
| Deed Book / Page | 19056 / 206 |
| Prior Transfer Date | Feb 27, 2009 |
| Prior Transfer Doc | 0115510065 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9695 SPRATLEY AVE, LAUREL, MD 20723-1860 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | TITLE RITE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 0201210162 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 20121/162 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Dec 9, 2019 |
| Property Address | 9695 SPRATLEY AVE, LAUREL, MD 20723-1860 |
| Document Number | 0190560206 |
| Book / Page | 19056 / 206 |
| Map Reference | LB JHO 61 FO 470 |
| Instrument Date | Dec 2, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | EAGLE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,885.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 9695 SPRATLEY AVE, LAUREL, MD 20723-1860 |
| Document Number | 19056214 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 19056/214 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
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 | $7,638.00 (+6.5%) | $487,867 (+6.71%) | $549,200 (+20.12%) Land $261,200 Building $288,000 |
| 2025 | $7,172.00 (+5.52%) | $457,200 (+12.85%) Land $166,200 Building $291,000 | $457,200 (-) Land $166,200 Building $291,000 |
| 2024 | $6,797.00 (+59.25%) | ||
| 2023 | $405,133 | $457,200 Land $166,200 Building $291,000 | |
| 2022 | $4,268.00 |
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 | 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures