9905 Flora Ct, Laurel, MD 20723 Property Records

Howard County property record for 9905 Flora Ct, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,192 sqft · built 2016
Lot Size	0.262 acres (11,400 sqft)
Owner	2 Individual Names on File
Last Sale	$1,165,000 (Sep 2024)
Tax Bill	$14,080 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-596077`

Property Details

APN / Parcel Number

Primary APN	`06-596077`
Alternative APN	`596077`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,192 sqft Total Area
Basement Area	900 sqft
Finished Basement	900 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,400 sqft (0.262 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	596077
Street Address	9905 FLORA CT
City	LAUREL
State	MD
Zip	20723-5799
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-ED
Legal Description	LOT 21 11,400 SQ' 9905 FLORA CT WINCOPIA FARMS
Legal Subdivision	WINCOPIA FARMS
Legal Lot Number	21
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1009
Census Tract	606807

Owner

Source: Howard County records · APN 06-596077

Assessment roll updated August 4, 2025 · Last verified August 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 File
Mailing Address	9905 FLORA CT, LAUREL, MD 20723-5799
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 02, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEMPER HOME LOANS INC
Nov 07, 2019	Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 07, 2019	Grant Deed, Transfer ATLANTIC TITLE AND ESCROW COMPANY, ATLANTIC TITLE & ESCROW CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 04, 2024 · Amount on Record
Deed Sale	Sep 04, 2024 · Amount on Record
Prior Sale	Nov 07, 2019 · Amount on Record
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	9905 FLORA CT, LAUREL, MD 20723-5799
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	THE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9905 FLORA CT, LAUREL, MD 20723-5799

Mortgage

Document Number	0198820429
Date	Nov 02, 2020
Book Page	19882/429

Lender

Name	SEMPER HOME LOANS INC
Type	Mortgage Company
Address	PROVIDENCE, RI 02907

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Nov 07, 2019
Property Address	9905 FLORA CT, LAUREL, MD 20723-5799
Document Number	0190020023
Book / Page	19002 / 023
Map Reference	PL 22732-22752
Instrument Date	Oct 07, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ATLANTIC TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$10,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	9905 FLORA CT, LAUREL, MD 20723-5799

Mortgage

Document Number	0019002030
Date	Nov 07, 2019
Instrument	19002/030

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2049

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Nov 07, 2019
Property Address	9905 FLORA CT, LAUREL, MD 20723-5799
Document Number	0190020015
Book / Page	019002 / 000015
Instrument Date	Sep 11, 2019
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	ATLANTIC TITLE AND ESCROW COMPANY, ATLANTIC TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Tax	$820.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8001 WISCONSIN AVE #200 BETHESDA MD 208143650, 200, BETHESDA, MD 20814-3650
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Howard County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Howard County
Unified School District	Howard County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$990,733 (+5.72%)	$1,098,000 (+17.17%) Land $353,800 Building $744,200
2025	$14,080.00 (+74.19%) Homeowner's exemption	$937,100 (+18.48%) Land $238,800 Building $698,300	$937,100 (-) Land $238,800 Building $698,300
2023		$790,967	$937,100 Land $238,800 Building $698,300
2022	$8,083.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 31, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	5 in force

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 357 locations within half a mile of this property.

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