Howard County property record for 9922 Cypress Way, Laurel, MD 20723
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,771 sqft · built 2017 |
| Lot Size | 0.059 acres (2,550 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (Jan 2019) |
| Tax Bill | $8,539 (2026) |
| Deeds & Mortgages | Jan 2020 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-596199 |
| Primary APN | 06-596199 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,771 sqft Total Area |
| Basement Area | 660 sqft |
| Finished Basement | 660 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,550 sqft (0.059 acres) |
| Garage Type | Basement |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 596199 |
|---|---|
| Street Address | 9922 CYPRESS WAY |
| City | LAUREL |
| State | MD |
| Zip | 20723-6021 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | RCDEO |
| Legal Description | LOT 143 2,550 SQ' 9922 CYPRESS WAY WINCOPIA FARMS |
| Legal Subdivision | WINCOPIA FARMS |
| Legal Lot Number | 143 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 606807 |
9922 Cypress Way, a townhouse, is owned and occupied by two individuals who bought it in January 2019.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9922 CYPRESS WAY, LAUREL, MD 20723-6021 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TOPONE MORTGAGE INC |
| Jan 16, 2019 | Deed, Subdivision Related Transfer · ARM LENDSURE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2019 · Amount on File |
| Deed Sale | Jan 16, 2019 · Amount on File |
| Deed Book / Page | 18520 / 481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9922 CYPRESS WAY, LAUREL, MD 20723-6021 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | AESTAR LLC |
| Name | Verified Name |
|---|
| Document Number | 0191370315 |
|---|---|
| Date | Jan 22, 2020 |
| Book Page | 19137/315 |
| Name | TOPONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ROCKVILLE, MD 20852 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jan 16, 2019 |
| Property Address | 9922 CYPRESS WAY, LAUREL, MD 20723-6021 |
| Document Number | 0185200481 |
| Book / Page | 18520 / 481 |
| Map Reference | PL 22732-22752 |
| Instrument Date | Dec 27, 2018 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 3, 2022 |
| Title Company | LANDMARK TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9922 CYPRESS WAY, LAUREL, MD 20723-6021 |
| Document Number | 0018520487 |
|---|---|
| Date | Jan 16, 2019 |
| Instrument | 18520/487 |
| Name | LENDSURE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Type Change Date | Jan 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 6.87% |
| Max Rate At Change | 9.87% |
| Index | 1-Year LIBOR |
| Max Rate | 12.8% |
The 2026 property tax bill for 9922 Cypress Way was $8,539 with a homeowner's exemption, up 2.2% from the year before.
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 | $8,539.00 (+2.24%) Homeowner's exemption | $599,367 (+7.61%) | $684,100 (+22.82%) Land $250,000 Building $434,100 |
| 2025 | $8,352.00 Homeowner's exemption | $557,000 Land $230,000 Building $327,000 | $557,000 Land $230,000 Building $327,000 |
| 2023 | $502,667 | $557,000 Land $230,000 Building $327,000 | |
| 2022 | $5,354.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9922 Cypress Way in Zone X, an area of minimal flood risk.
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 risk around 9922 Cypress Way is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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