Howard County property record for 9917 Naylor Ave, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,236 sqft · built 1998 |
| Lot Size | 0.271 acres (11,785 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $176,500 (Jan 1999) |
| Tax Bill | $5,926 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-399452 |
| Primary APN | 06-399452 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,236 sqft Total Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 11,785 sqft (0.271 acres) |
| Deck Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 399452 |
|---|---|
| Street Address | 9917 NAYLOR AVE |
| City | LAUREL |
| State | MD |
| Zip | 20723-1723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC |
| Legal Description | LOT 199 11,785 SQ 9917 NAYLOR AVE HIGH RIDGE PARK |
| Legal Subdivision | HIGH RIDGE PARK |
| Legal Lot Number | 199 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 606906 |
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 Trust Names on Record |
|---|---|
| Mailing Address | 9917 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Aug 13, 2019 | Deed of Trust, Mortgage · VA Mortgage CORNERSTONE FIRST FINANCIAL LLC |
| Sep 22, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 1999 · Amount on Record |
| Deed Sale | Jan 20, 1999 · Amount on Record |
| Deed Document Number | 1999424 |
| Deed Book / Page | 4588 / 385 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9917 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | PROPERTY TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0188260147 |
|---|---|
| Date | Aug 13, 2019 |
| Book Page | 18826/147 |
| Name | CORNERSTONE FIRST FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | WASHINGTON, DC 20007 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9917 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | PRIORITY TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0197280426 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 19728/426 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
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 | $5,926.00 (-2.24%) Homeowner's exemption | $432,700 (+9.71%) | $509,300 (+29.13%) Land $280,500 Building $228,800 |
| 2025 | $6,062.00 (+56.52%) Homeowner's exemption | $394,400 (+9.31%) Land $185,500 Building $208,900 | $394,400 (-) Land $185,500 Building $208,900 |
| 2023 | $360,800 | $394,400 Land $185,500 Building $208,900 | |
| 2022 | $3,873.00 |
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 | 3 in force |
| Nearby Flood Claims | 2 (2003–2012) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOWARD COUNTY D.P.W. DISTRIBUTION serves 286,158 people · EPA ID MD0130002 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jan 2024 |
| Lead | 3 ppb (2018–2020) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 516 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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