9906 Flora Ct, Laurel, MD 20723 Property Records

Howard County property record for 9906 Flora Ct, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,266 sqft · built 2016
Lot Size	0.216 acres (9,412 sqft)
Owner	2 Individual Names on File
Last Sale	$851,120 (Jan 2017)
Tax Bill	$12,434 (2025)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-596071`

Property Details

APN / Parcel Number

Primary APN	`06-596071`
Alternative APN	`596071`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,266 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,412 sqft (0.216 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	155 sqft
Deck Area	304 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	596071
Street Address	9906 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 15 9,412 SQ' 9906 FLORA CT WINCOPIA FARMS
Legal Subdivision	WINCOPIA FARMS
Legal Lot Number	15
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1009
Census Tract	606807

Owner

Source: Howard County assessment roll, as of August 4, 2025

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	9906 FLORA CT, LAUREL, MD 20723-5799
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 24, 2017 · Amount on Record
Deed Sale	Jan 24, 2017 · Amount on Record
Prior Sale	Jul 14, 2016 · Amount on Record
Deed Document Number	2017403-379
Deed Book / Page	17403 / 379
Record Updated	Sep 20, 2026

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Jan 24, 2017
Property Address	9906 FLORA CT, LAUREL, MD 20723-5799
Document Number	0174030379
Book / Page	17403 / 379
Instrument Date	Dec 30, 2016
Instrument	17403-379
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$12,766.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9906 FLORA CT, LAUREL, MD 20723-5799
Investor	Possibly a Property Investor

Mortgage

Document Number	17403383
Date	Jan 24, 2017
Instrument	17403-383

Lender

Name	EASTERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	10.7%

Tax Assessment & Valuation

Source: Howard County assessment roll, as of August 4, 2025

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		$873,633 (+5.23%)	$960,500 (+15.7%) Land $344,800 Building $615,700
2025	$12,434.00 (+74%)	$830,200 (+18.62%) Land $229,800 Building $600,400	$830,200 (-) Land $229,800 Building $600,400
2023		$699,867	$830,200 Land $229,800 Building $600,400
2022	$7,146.00

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

Flood

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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

Internet Providers

Source: FCC Broadband Data Collection, based on 357 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
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20