Howard County property record for 9939 Naylor Ave, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,380 sqft · built 1992 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $32,000 (Apr 1992) |
| Tax Bill | $6,459 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-390293 |
| Primary APN | 06-390293 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,380 sqft Total Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,000 sqft (0.344 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 390293 |
|---|---|
| Street Address | 9939 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 191, 192 9939 NAYLOR AVE HIGH RIDGE PARK |
| Legal Subdivision | HIGH RIDGE PARK |
| Legal Lot Number | 191,192 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 606906 |
9939 Naylor Ave is owned and occupied by two individuals who bought it in April 1992.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9939 NAYLOR AVE, LAUREL, MD 20723-1723 |
| 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 |
|---|---|
| Feb 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC |
| Jul 5, 2017 | Deed of Trust, Mortgage · Line of Credit STATE EMP CU/MD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 1992 · Amount on File |
| Deed Sale | Apr 28, 1992 · Amount on File |
| Deed Book / Page | 2544 / 653 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9939 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2021 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0202380243 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 20238/243 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | GLEN BURNIE, MD 21060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9939 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Document Number | 0177100397 |
| Book / Page | 017710 / 000397 |
| Instrument Date | Jul 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 9939 NAYLOR AVE LAUREL MD 207231723, LAUREL, MD 20723-1723 |
| Document Number | 0177100397 |
|---|---|
| Date | Jul 26, 2017 |
| Book Page | 017710/000397 |
| Name | STATE EMP CU/MD |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 25, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 9939 Naylor Ave was $6,459 with a homeowner's exemption, up 13% 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 | $6,459.00 (+12.98%) Homeowner's exemption | $470,067 (+9.09%) | $548,400 (+27.27%) Land $287,000 Building $261,400 |
| 2025 | $5,717.00 Homeowner's exemption | $430,900 Land $192,000 Building $238,900 | $430,900 Land $192,000 Building $238,900 |
| 2023 | $393,967 | $430,900 Land $192,000 Building $238,900 | |
| 2022 | $4,228.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9939 Naylor Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.
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.
The area around 9939 Naylor Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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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