10308 Derby Dr, Laurel, MD 20723 Property Records

Howard County property record for 10308 Derby Dr, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,121 sqft · built 1989
Lot Size	0.416 acres (18,111 sqft)
Owner	2 Individual Names on Record
Last Sale	$785,500 (Dec 2021)
Tax Bill	$11,967 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-520723`

Property Details

APN / Parcel Number

Primary APN	`06-520723`
Alternative APNs	`6520723` `520723`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,121 sqft Total Area
Basement Area	876 sqft
Finished Basement	876 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,111 sqft (0.416 acres)
Garage Type	Mixed
Garage Area	940 sqft
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Pool Area	648 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	520723
Street Address	10308 DERBY DR
City	LAUREL
State	MD
Zip	20723-5736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 23 .416 A 10308 DERBY DR HUNTERS CR FARM S 1 AR 1
Legal Subdivision	HUNTERS CRK FRM SEC 01 AR 01
Legal Lot Number	23
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1001
Census Tract	606807

Owner

Source: Howard County records, as of August 18, 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	10308 DERBY DR, LAUREL, MD 20723-5736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Sep 19, 2007 · Amount on Record
Deed Book / Page	21231 / 103
Transfer Doc	0000002732
Record Updated	Sep 20, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Dec 30, 2021
Property Address	10308 DERBY DR, LAUREL, MD 20723-5736
Document Number	0212310103
Book / Page	21231 / 103
Map Reference	PL 8081
Instrument Date	Nov 24, 2021
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,746.25
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	10308 DERBY DR, LAUREL, MD 20723-5736

Mortgage

Document Number	0021231109
Date	Dec 30, 2021
Instrument	21231/109

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Howard County assessment roll, as of August 4, 2025

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		$823,067 (+4.19%)	$889,200 (+12.56%) Land $298,500 Building $590,700
2025	$11,967.00 (+69.55%)	$790,000 (+15.96%) Land $248,500 Building $541,500	$790,000 (-) Land $248,500 Building $541,500
2023		$681,267	$790,000 Land $248,500 Building $541,500
2022	$7,058.00

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	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

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.

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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20