9915 Flora Ct, Laurel, MD 20723 Property Records

Howard County property record for 9915 Flora Ct, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,076 sqft · built 2015
Lot Size	0.301 acres (13,113 sqft)
Owner	2 Individual Names on File
Tax Bill	$616 (2025)
Deeds & Mortgages	Apr 2026 Sale Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-596075`

Property Details

APN / Parcel Number

Primary APN	`06-596075`
Alternative APN	`596075`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,076 sqft Total Area
Basement Area	2,028 sqft
Finished Basement	2,028 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,113 sqft (0.301 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	58 sqft
Deck Area	476 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	596075
Street Address	9915 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 19 13,113 SQ' 9915 FLORA CT WINCOPIA FARMS
Legal Subdivision	WINCOPIA FARMS
Legal Lot Number	19
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1009
Census Tract	606807

Owner

Source: Howard County records · APN 06-596075

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	9915 FLORA CT, LAUREL, MD 20723-5799
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Nov 18, 2021	Intrafamily Transfer, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 03, 2020	Loan Modification, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 18, 2021
Deed Sale	Nov 18, 2021
Prior Sale	Nov 15, 2021
Deed Book / Page	21115 / 163
Prior Transfer Date	Sep 03, 2021
Prior Transfer Doc	0211150163
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Apr 30, 2026
Property Address	9915 FLORA CT, LAUREL, MD 20723-5799
Document Number	0232130455
Book / Page	23213 / 455
Instrument Date	Apr 03, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9915 FLORA CT, LAUREL, MD 20723-5799
Investor	Possibly a Property Investor

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD MD
Recording Date	Nov 18, 2021
Property Address	9915 FLORA CT, LAUREL, MD 20723-5799
Document Number	0211150163
Book / Page	21115 / 163
Map Reference	PL 22732-22752
Instrument Date	Sep 03, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9915 FLORA CT, LAUREL, MD 20723-5799

Mortgage

Document Number	0021115170
Date	Nov 18, 2021
Instrument	21115/170

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 01, 2051

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HOWARD MD
Property Address	9915 FLORA CT, LAUREL, MD 20723-5799
Document Number	0200760195
Instrument Date	Dec 03, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9915 FLORA CT LAUREL MD 207235799, LAUREL, MD 20723-5799

Mortgage

Document Number	0200760195
Date	Jan 07, 2021
Book Page	020076/000195

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 06, 2046

Interest

Rate Type	Fixed Rate
Rate	3.37%

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		$1,032,667 (+7.4%)	$1,175,000 (+22.2%) Land $361,000 Building $814,000
2025	$616.00 Homeowner's exemption	$961,500 (+18.3%) Land $246,000 Building $715,500	$961,500 (-) Land $246,000 Building $715,500
2024	$616.00 (-92.59%)
2023		$812,767	$961,500 Land $246,000 Building $715,500
2022	$8,314.00

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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