Howard County property record for 9910 Flora Ct, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,452 sqft · built 2016 |
| Lot Size | 0.224 acres (9,744 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,155,000 (Apr 2024) |
| Tax Bill | $12,506 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-596072 |
| Primary APN | 06-596072 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,452 sqft Total Area |
| Basement Area | 750 sqft |
| Finished Basement | 750 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Stone |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,744 sqft (0.224 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 596072 |
|---|---|
| Street Address | 9910 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 16 9,744 SQ' 9910 FLORA CT WINCOPIA FARMS |
| Legal Subdivision | WINCOPIA FARMS |
| Legal Lot Number | 16 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 606807 |
Source: Howard County records, as of August 18, 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 Record |
|---|---|
| Mailing Address | 9910 FLORA CT, LAUREL, MD 20723-5799 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2024 | Deed, Transfer · Conventional Mortgage NAVY FCU |
| Apr 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FAIRFAX CNTY EMPS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2024 · Amount on Record |
| Deed Sale | Apr 12, 2024 · Amount on Record |
| Prior Sale | Jun 8, 2016 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 12, 2024 |
| Property Address | 9910 FLORA CT, LAUREL, MD 20723-5799 |
| Document Number | 0223160165 |
| Book / Page | 22316 / 165 |
| Map Reference | PL 22732-22752 |
| Instrument Date | Mar 29, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2024 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,775.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9910 FLORA CT, LAUREL, MD 20723-5799 |
| Document Number | 0223161704 |
|---|---|
| Date | Apr 12, 2024 |
| Instrument | 22316/1704 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9910 FLORA CT, LAUREL, MD 20723-5799 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Title Company | KNOWLEDGE SPLICE SERVICES, KNOWLEDGE SPLICE SERVIICES L |
| Name | Verified Name |
|---|---|
| Address | 9910 FLORA CT, LAUREL, MD 20723-5799 |
| Document Number | 0214480027 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | 21448/27 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9910 FLORA CT, LAUREL, MD 20723-5799 |
| Document Number | 0180190279 |
| Book / Page | 018019 / 000279 |
| Instrument Date | Jan 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2018 |
| Title Company | CREDIT UNION TITLE INSURANCE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 9910 FLORA CT LAUREL MD 207235799, LAUREL, MD 20723-5799 |
| Document Number | 0180190279 |
|---|---|
| Date | Jan 23, 2018 |
| Book Page | 018019/000279 |
| Name | FAIRFAX CNTY EMPS CU |
|---|---|
| Type | Credit Union |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 22, 2028 |
Source: Howard County assessment roll, as of August 4, 2025
| 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 | $895,667 (+7.24%) | $1,016,600 (+21.72%) Land $346,300 Building $670,300 | |
| 2025 | $12,506.00 (+73.84%) | $835,200 (+18.58%) Land $231,300 Building $603,900 | $835,200 (-) Land $231,300 Building $603,900 |
| 2023 | $704,333 | $835,200 Land $231,300 Building $603,900 | |
| 2022 | $7,194.00 |
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 | 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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 Fixed Wireless | 100 / 20 |
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