Howard County property record for 9911 Flora Ct, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,781 sqft · built 2016 |
| Lot Size | 0.253 acres (11,017 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $760,575 (Feb 2016) |
| Tax Bill | $11,329 (2026) |
| Deeds & Mortgages | Nov 2025 Second Mortgage Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-596076 |
| Primary APN | 06-596076 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,781 sqft Total Area |
| Basement Area | 1,504 sqft |
| Finished Basement | 1,504 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 11,017 sqft (0.253 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Deck Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 596076 |
|---|---|
| Street Address | 9911 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 20 11,017 SQ' 9911 FLORA CT WINCOPIA FARMS |
| Legal Subdivision | WINCOPIA FARMS |
| Legal Lot Number | 20 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 606807 |
Source: Howard County records, as of September 4, 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 | 9911 FLORA CT, LAUREL, MD 20723-5799 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 10, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage STATE DEPARTMENT FCU |
| Sep 28, 2017 | Deed of Trust, Mortgage · Line of Credit STATE DEPT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2016 · Amount on Record |
| Deed Sale | Feb 25, 2016 · Amount on Record |
| Prior Sale | Mar 23, 2015 · Amount on Record |
| Deed Book / Page | 16710 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9911 FLORA CT, LAUREL, MD 20723-5799 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Name | Verified Name |
|---|---|
| Address | 9911 FLORA CT, LAUREL, MD 20723-5799 |
| Document Number | 0229980271 |
|---|---|
| Date | Nov 10, 2025 |
| Book Page | 22998/271 |
| Name | STATE DEPARTMENT FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22314 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 2, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9911 FLORA CT, LAUREL, MD 20723-5799 |
| Document Number | 0178420432 |
| Book / Page | 017842 / 000432 |
| Instrument Date | Sep 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9911 FLORA CT LAUREL MD 207235799, LAUREL, MD 20723-5799 |
| Document Number | 0178420432 |
|---|---|
| Date | Oct 3, 2017 |
| Book Page | 017842/000432 |
| Name | STATE DEPT FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22314-2745 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 2, 2027 |
| Rate Type | Adjustable Rate |
|---|
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 | $11,329.00 (-9.03%) Homeowner's exemption | $989,033 (+4.69%) | $1,077,700 (+14.08%) Land $352,000 Building $725,700 |
| 2025 | $12,453.00 (+58.7%) Homeowner's exemption | $944,700 (+21.19%) Land $237,000 Building $707,700 | $944,700 (-) Land $237,000 Building $707,700 |
| 2023 | $779,500 | $944,700 Land $237,000 Building $707,700 | |
| 2022 | $7,847.00 |
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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