Howard County property record for 9860 Lyon Ave, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,668 sqft · built 1956 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $4,520 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Apr 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-393896 |
| Primary APN | 06-393896 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,668 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Garage Type | Detached |
| Garage Area | 2,100 sqft |
| Parking Spaces | 7 Parking Spaces |
| Deck Area | 348 sqft |
| Patio Area | 348 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 393896 |
|---|---|
| Street Address | 9860 LYON AVE |
| City | LAUREL |
| State | MD |
| Zip | 20723-1722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC |
| Legal Description | LOT 313 9860 LYON AVE HIGH RIDGE PARK |
| Legal Subdivision | HIGH RIDGE PARK |
| Legal Lot Number | 313 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 606906 |
9860 Lyon Ave is owner-occupied and held in a trust since May 2002.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 9860 LYON AVE, LAUREL, MD 20723-1722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
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 |
|---|---|
| May 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Apr 21, 2017 | Deed of Trust, Mortgage · Line of Credit CITIBANK |
| Sep 12, 2018 | Deed of Trust, Mortgage · Line of Credit CITYBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2002 |
| Deed Sale | May 14, 2002 |
| Prior Sale | Feb 7, 1997 |
| Deed Document Number | 20024194 |
| Deed Book / Page | 6171 / 8 |
| Transfer Doc | 0000000843 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9860 LYON AVE, LAUREL, MD 20723-1722 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2022 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 9860 LYON AVE, LAUREL, MD 20723-1722 |
| Document Number | 0215000347 |
|---|---|
| Date | May 4, 2022 |
| Book Page | 21500/347 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9860 LYON AVE, LAUREL, MD 20723-1722 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0175490477 |
|---|---|
| Date | Apr 21, 2017 |
| Book Page | 17549/477 |
| Instrument | 17549-477 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9860 LYON AVE, LAUREL, MD 20723-1722 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0183590239 |
|---|---|
| Date | Sep 12, 2018 |
| Book Page | 18359/239 |
| Name | CITYBANK |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 9860 Lyon Ave was $4,520 with a homeowner's exemption, down 27.3% 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 | $4,520.00 (-27.27%) Homeowner's exemption | $558,367 (+6.84%) | $629,900 (+20.53%) Land $272,500 Building $357,400 |
| 2025 | $6,215.00 Homeowner's exemption | $522,600 Land $177,500 Building $345,100 | $522,600 Land $177,500 Building $345,100 |
| 2023 | $465,467 | $522,600 Land $177,500 Building $345,100 | |
| 2022 | $4,919.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9860 Lyon Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.
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 | 2 (2003–2012) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 9860 Lyon 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 96% of the US · lower than 92% 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.
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 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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