9940 Naylor Ave, Laurel, MD 20723 Property Records

Howard County property record for 9940 Naylor Ave, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 1924
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (May 2019)
Tax Bill	$4,862 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-402615`

Property Details

APN / Parcel Number

Primary APN	`06-402615`
Alternative APNs	`6402615` `402615`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Total Area

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Porch	Slab
Porch Area	98 sqft
Deck Area	64 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	402615
Street Address	9940 NAYLOR AVE
City	LAUREL
State	MD
Zip	20723-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Legal Description	LOT 210 9940 NAYLOR AVE HIGH RIDGE PARK
Legal Subdivision	HIGH RIDGE PARK
Legal Lot Number	210
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	2
Census Block	2003
Census Tract	606906

Owner

Source: Howard County records, as of October 2, 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	3012 SHORELINE BLVD, LAUREL, MD 20724-1970
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
May 20, 2019	Grant Deed, Transfer GREENBRIAR LNDG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on Record
Deed Sale	May 20, 2019 · Amount on Record
Deed Book / Page	18678 / 496
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Recording Date	Apr 16, 2026
Property Address	9940 NAYLOR AVE, LAUREL, MD 20723-1724
Document Number	2319000120
Book / Page	23193 / 120
Instrument Date	Mar 25, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9940 NAYLOR AVE, LAUREL, MD 20723-1724

Mortgage

Document Number	2319000120,
Date	Apr 16, 2026
Book Page	23193/120

Lender

Name	CITIZENS BANK INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Mar 29, 2051

Interest

Rate	5.98%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	9940 NAYLOR AVE, LAUREL, MD 20723-1724
Transaction Type	Mortgage
Record Updated	Mar 12, 2021
Title Company	JDM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9940 NAYLOR AVE, LAUREL, MD 20723-1724

Mortgage

Document Number	0201520093
Date	Jan 26, 2021
Book Page	20152/93

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	9940 NAYLOR AVE, LAUREL, MD 20723-1724
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0189400358
Date	Oct 9, 2019
Book Page	18940/358

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	May 20, 2019
Property Address	9940 NAYLOR AVE, LAUREL, MD 20723-1724
Document Number	0186780496
Book / Page	018678 / 000496
Instrument Date	May 3, 2019
Transaction Type	Transfer
Record Updated	May 31, 2019
Title Company	JDM TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3012 SHORELINE BLVD LAUREL MD 207241970, LAUREL, MD 20724-1970

Mortgage

Document Number	186780502
Date	May 20, 2019
Book Page	018678/000502

Lender

Name	GREENBRIAR LNDG LLC
Address	ROCKVILLE, MD 20850

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Howard County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Howard County
Unified School District	Howard County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,862.00 (+12.13%)	$302,133 (+13.33%)	$373,200 (+39.98%) Land $261,200 Building $112,000
2025	$4,336.00 (+3.83%)	$266,600 (+9.14%) Land $166,200 Building $100,400	$266,600 (-) Land $166,200 Building $100,400
2024	$4,176.00 (+59.15%)
2023		$244,267	$266,600 Land $166,200 Building $100,400
2022	$2,624.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 473 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

May also be available: T-Mobile.

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