9840 Garden Ranges, Laurel, MD 20723 Property Records

Howard County property record for 9840 Garden Ranges, Laurel, MD 20723

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,848 sqft · built 2011
Lot Size	0.076 acres (3,331 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (Aug 2017)
Tax Bill	$8,678 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-586775`

Property Details

APN / Parcel Number

Primary APN	`06-586775`
Alternative APN	`586775`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,848 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,331 sqft (0.076 acres)
Garage Type	Built-in
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	41 sqft
Deck Area	135 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	586775
Street Address	9840 GARDEN RANGES
City	LAUREL
State	MD
Zip	20723-5921
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 34 3,331 SQ' 9840 GARDEN RANGES EMERSON S2 P3 RSB D4
Legal Subdivision	EMERSON SEC 02 PH 03
Legal Lot Number	34
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3000
Census Tract	606808

Owner

9840 Garden Ranges, a townhouse, is owned and occupied by two individuals who bought it in August 2017.

Source: Howard County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23714 GREENE TIMBERS CT, ALDIE, VA 20105-6119
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Aug 3, 2017	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2017 · Amount on File
Deed Sale	Aug 3, 2017 · Amount on File
Prior Sale	Jun 1, 2012 · Amount on File
Deed Document Number	2017732-003
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	9840 GARDEN RANGES, LAUREL, MD 20723-5921
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	FIRST SOURCE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9840 GARDEN RANGES, LAUREL, MD 20723-5921

Mortgage

Document Number	0201100450
Date	Jan 15, 2021
Book Page	20110/450

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 1, 2035

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	9840 GARDEN RANGES, LAUREL, MD 20723-5921
Document Number	0191210376
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	TITLE-RITE SERVICES INC, TITLE-RITE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9840 GARDEN RANGES LAUREL MD 207235921, LAUREL, MD 20723-5921

Mortgage

Document Number	0191210376
Date	Jan 13, 2020
Book Page	019121/000376

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 12, 2035

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Aug 3, 2017
Property Address	9840 GARDEN RANGES, LAUREL, MD 20723-5921
Document Number	0177320003
Book / Page	017732 / 000003
Instrument Date	Jul 27, 2017
Transaction Type	Transfer
Record Updated	Aug 10, 2017
Title Company	TITLE-RITE SERVICES INC, TITLE-RITE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9840 GARDEN RANGES LAUREL MD 207235921, LAUREL, MD 20723-5921

Mortgage

Document Number	177320010
Date	Aug 3, 2017
Book Page	017732/000010

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 9840 Garden Ranges was $8,678 with a homeowner's exemption, up 7.3% from the year before.

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	$8,678.00 (+7.28%) Homeowner's exemption	$571,933 (+7.3%)	$649,800 (+21.91%) Land $230,000 Building $419,800
2025	$8,089.00 Homeowner's exemption	$533,000 Land $130,000 Building $403,000	$533,000 Land $130,000 Building $403,000
2023		$486,533	$533,000 Land $130,000 Building $403,000
2022	$5,216.00

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

Flood

FEMA maps place 9840 Garden Ranges in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force

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

Wildfire risk around 9840 Garden Ranges 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 644 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

May also be available: T-Mobile.

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