10216 Vast Ocean Pass, Laurel, MD 20723 Property Records

Howard County property record for 10216 Vast Ocean Pass, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,002 sqft · built 2005
Lot Size	0.17 acres (7,418 sqft)
Owner	2 Individual Names on File
Last Sale	$735,000 (Jan 2022)
Tax Bill	$9,555 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-574440`

Property Details

APN / Parcel Number

Primary APN	`06-574440`
Alternative APN	`574440`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,002 sqft Total Area
Basement Area	1,119 sqft
Finished Basement	1,119 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,418 sqft (0.17 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	574440
Street Address	10216 VAST OCEAN PASS
City	LAUREL
State	MD
Zip	20723-5867
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Legal Description	LOT 91 7418 SQ 10216 VAST OCEAN PASS EMERSON S2 PH 4 KEY PROP
Legal Subdivision	EMERSON SEC 2 PH 4
Legal Phase	4
Legal Lot Number	91
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3000
Census Tract	606808

Owner

10216 Vast Ocean Pass is owned and occupied by two individuals who bought it in January 2022.

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	2 Individual Names on File
Mailing Address	10216 VAST OCEAN PASS, LAUREL, MD 20723-5867
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP
Oct 24, 2019	Grant Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2022 · Amount on File
Deed Sale	Jan 13, 2022 · Amount on File
Prior Sale	Oct 24, 2019 · Amount on File
Deed Book / Page	21262 / 344
Record Updated	Oct 29, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Jan 13, 2022
Property Address	10216 VAST OCEAN PASS, LAUREL, MD 20723-5867
Document Number	0212620344
Book / Page	21262 / 344
Map Reference	PL 1666-16609
Instrument Date	Nov 23, 2021
Transaction Type	Transfer
Record Updated	Jan 27, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,862.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9732 BON HAVEN LN, OWINGS MILLS, MD 21117-7407

Mortgage

Document Number	0021262352
Date	Jan 13, 2022
Instrument	21262/352

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Oct 24, 2019
Property Address	10216 VAST OCEAN PASS, LAUREL, MD 20723-5867
Document Number	0189710192
Book / Page	018971 / 000192
Instrument Date	Sep 23, 2019
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	BAY COUNTY SETTLEMENTS INC, BAY CNTY SETTLEMENTS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
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	10216 VAST OCEAN PASS COOKSVILLE MD 21723, COOKSVILLE, MD 21723

Mortgage

Document Number	189710200
Date	Oct 24, 2019
Book Page	018971/000200

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 10216 Vast Ocean Pass was $9,555 with a homeowner's exemption, down 3.6% from the year before.

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	$9,555.00 (-3.59%) Homeowner's exemption	$742,533 (+7.44%)	$845,400 (+22.33%) Land $260,800 Building $584,600
2025	$9,911.00 Homeowner's exemption	$691,100 Land $185,800 Building $505,300	$691,100 Land $185,800 Building $505,300
2023		$598,700	$691,100 Land $185,800 Building $505,300
2022	$6,221.00

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

Flood

FEMA maps place 10216 Vast Ocean Pass in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

Wildfire risk around 10216 Vast Ocean Pass 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 644 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

May also be available: T-Mobile.

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