Howard County property record for 9944 Cypress Way, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 4,404 sqft · built 2016 |
| Lot Size | 0.294 acres (12,791 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,450,000 (Jun 2026) |
| Tax Bill | $14,591 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-596082 |
| Primary APN | 06-596082 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,404 sqft Total Area |
| Basement Area | 1,500 sqft |
| Finished Basement | 1,500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Stone |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 12,791 sqft (0.294 acres) |
| Garage Type | Attached |
| Garage Area | 681 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 146 sqft |
| Deck Area | 204 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 596082 |
|---|---|
| Street Address | 9944 CYPRESS WAY |
| City | LAUREL |
| State | MD |
| Zip | 20723-6021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-ED |
| Legal Description | LOT 26 12,791 SQ' 9944 CYPRESS WAY WINCOPIA FARMS |
| Legal Subdivision | WINCOPIA FARMS |
| Legal Lot Number | 26 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 606807 |
Source: Howard County records, as of September 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 9944 CYPRESS WAY, LAUREL, MD 20723-6021 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 16, 2026 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 11, 2022 | Deed, Transfer · Conventional Mortgage WESBANCO BANK INC |
| Sep 27, 2019 | Grant Deed, Transfer GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2026 · Amount on Record |
| Deed Sale | Jun 16, 2026 · Amount on Record |
| Prior Sale | Aug 12, 2022 · Amount on Record |
| Deed Book / Page | 23279 / 287 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jun 16, 2026 |
| Property Address | 9944 CYPRESS WAY, LAUREL, MD 20723-6021 |
| Document Number | 2327000287 |
| Book / Page | 23279 / 287 |
| Instrument Date | Jun 5, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,464,500.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9944 CYPRESS WAY, LAUREL, MD 20723-6021 |
| Document Number | 2327000294, |
|---|---|
| Date | Jun 16, 2026 |
| Book Page | 23279/294 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Aug 11, 2022 |
| Property Address | 9944 CYPRESS WAY, LAUREL, MD 20723-6021 |
| Document Number | 0216650130 |
| Book / Page | 21665 / 130 |
| Map Reference | PL 22732-22752 |
| Instrument Date | Aug 8, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $18,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9944 CYPRESS WAY, LAUREL, MD 20723-6021 |
| Document Number | 0021665137 |
|---|---|
| Date | Aug 11, 2022 |
| Instrument | 21665/137 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Sep 1, 2037 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.62% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.62% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 27, 2019 |
| Property Address | 9944 CYPRESS WAY, LAUREL, MD 20723-6021 |
| Document Number | 0189840117 |
| Book / Page | 018984 / 000117 |
| Instrument Date | Sep 27, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2019 |
| Title Company | MASTERS TITLE AND ESCROW, MASTERS TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $960.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9944 CYPRESS WAY LAUREL MD 207236021, LAUREL, MD 20723-6021 |
| Document Number | 189840124 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 018984/000124 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 26, 2049 |
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 | $14,591.00 (-1.12%) Homeowner's exemption | $1,095,467 (+4.3%) | $1,185,800 (+12.9%) Land $360,000 Building $825,800 |
| 2025 | $14,756.00 (+63.85%) Homeowner's exemption | $1,050,300 (+18.9%) Land $245,000 Building $805,300 | $1,050,300 (-) Land $245,000 Building $805,300 |
| 2023 | $883,367 | $1,050,300 Land $245,000 Building $805,300 | |
| 2022 | $9,006.00 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 |
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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