Howard County property record for 10305 Derby Dr, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,125 sqft · built 1989 |
| Lot Size | 0.368 acres (16,042 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $415,000 (May 2002) |
| Tax Bill | $11,350 (2026) |
| Deeds & Mortgages | Oct 2023 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-520499 |
| Primary APN | 06-520499 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 3,125 sqft Total Area |
| Basement Area | 876 sqft |
| Finished Basement | 876 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 16,042 sqft (0.368 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 324 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 520499 |
|---|---|
| Street Address | 10305 DERBY DR |
| City | LAUREL |
| State | MD |
| Zip | 20723-5702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 2 .368 A 10305 DERBY DR HUNTERS CR FARM S 1 AR 1 |
| Legal Subdivision | HUNTERS CRK FRM SEC 01 AR 01 |
| Legal Lot Number | 2 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1001 |
| 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 Trust Names on Record |
|---|---|
| Mailing Address | 10305 DERBY DR, LAUREL, MD 20723-5702 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 23, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Dec 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2002 · Amount on Record |
| Deed Sale | May 10, 2002 · Amount on Record |
| Prior Sale | May 10, 2002 · Amount on Record |
| Deed Document Number | 20024044 |
| Deed Book / Page | 6167 / 329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10305 DERBY DR, LAUREL, MD 20723-5702 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 10305 DERBY DR, LAUREL, MD 20723-5702 |
| Document Number | 0221570211 |
|---|---|
| Date | Oct 23, 2023 |
| Book Page | 22157/211 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 22, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10305 DERBY DR, LAUREL, MD 20723-5702 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | PROPERTY TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 10305 DERBY DR, LAUREL, MD 20723-5702 |
| Document Number | 0199920221 |
|---|---|
| Date | Dec 4, 2020 |
| Book Page | 19992/221 |
| Name | CORNERSTONE FIRST FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | WASHINGTON, DC 20007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
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 | $11,350.00 (+2.2%) Homeowner's exemption | $787,433 (+4.31%) | $852,500 (+12.93%) Land $297,500 Building $555,000 |
| 2025 | $11,106.00 (+57.22%) Homeowner's exemption | $754,900 (+12.69%) Land $247,500 Building $507,400 | $754,900 (-) Land $247,500 Building $507,400 |
| 2023 | $669,900 (+6.77%) | $754,900 (+20.32%) Land $247,500 Building $507,400 | |
| 2022 | $7,064.00 Homeowner's exemption | $627,400 Land $217,500 Building $409,900 | $627,400 Land $217,500 Building $409,900 |
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 94% of the US · lower than 89% 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: 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 241 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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