Howard County property record for 9975 Cypress Way, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 3,452 sqft · built 2016 |
| Lot Size | 0.364 acres (15,839 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,050,000 (Jun 2024) |
| Tax Bill | $14,167 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2017 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-596089 |
| Primary APN | 06-596089 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,452 sqft Total Area |
| Basement Area | 1,295 sqft |
| Finished Basement | 1,295 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,839 sqft (0.364 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 596089 |
|---|---|
| Street Address | 9975 CYPRESS WAY |
| City | LAUREL |
| State | MD |
| Zip | 20723-6022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-ED |
| Legal Description | LOT 33 15,839 SQ' 9975 CYPRESS WAY WINCOPIA FARMS |
| Legal Subdivision | WINCOPIA FARMS |
| Legal Lot Number | 33 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9975 CYPRESS WAY, LAUREL, MD 20723-6022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 12, 2017 | Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Jun 30, 2022 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 5, 2018 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMP CU/MD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2024 · Amount on Record |
| Deed Sale | Jun 27, 2024 · Amount on Record |
| Prior Sale | Jun 28, 2022 · Amount on Record |
| Deed Book / Page | 22396 / 304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 21, 2026 |
| Property Address | 9975 CYPRESS WAY, LAUREL, MD 20723-6022 |
| Document Number | 2320000407 |
| Book / Page | 23201 / 407 |
| Instrument Date | Apr 10, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | UNITED WHOLESALE MORTGAGE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 9975 CYPRESS WAY, LAUREL, MD 20723-6022 |
| Document Number | 2320000407, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 23201/407 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9975 CYPRESS WAY, LAUREL, MD 20723-6022 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0176340404 |
|---|---|
| Date | Jun 12, 2017 |
| Book Page | 17634/404 |
| Instrument | 17634-404 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | COLUMBIA, MD 21044 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 96 Months |
| Due | Jun 8, 2025 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jun 30, 2022 |
| Property Address | 9975 CYPRESS WAY, LAUREL, MD 20723-6022 |
| Document Number | 0216090396 |
| Book / Page | 21609 / 396 |
| Map Reference | PL 22732-22752 |
| Instrument Date | Jun 14, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | CARDINAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $14,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 63 BRIAR RD, 63, BETHANY, CT 06524-3441 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9975 CYPRESS WAY, LAUREL, MD 20723-6022 |
| Document Number | 0021609404 |
|---|---|
| Date | Jun 30, 2022 |
| Instrument | 21609/404 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Number | 0216090425 |
|---|---|
| Date | Jun 30, 2022 |
| Book Page | 21609/425 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9975 CYPRESS WAY, LAUREL, MD 20723-6022 |
| Document Number | 0181010078 |
| Instrument Date | Mar 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2018 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 9975 CYPRESS WAY LAUREL MD 207236022, LAUREL, MD 20723-6022 |
| Document Number | 0181010078 |
|---|---|
| Date | Mar 26, 2018 |
| Book Page | 018101/000078 |
| Name | STATE EMP CU/MD |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2048 |
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 | $14,167.00 (+4.82%) Homeowner's exemption | $946,700 (+5.45%) | $1,044,500 (+16.34%) Land $362,400 Building $682,100 |
| 2025 | $13,515.00 (+8.1%) Homeowner's exemption | $897,800 (+18.63%) Land $247,400 Building $650,400 | $897,800 (-) Land $247,400 Building $650,400 |
| 2024 | $12,502.00 (+61.8%) | ||
| 2023 | $756,800 | $897,800 Land $247,400 Building $650,400 | |
| 2022 | $7,727.00 |
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 96% of the US · lower than 92% 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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