10312 Winners Circle Way, Laurel, MD 20723 Property Records

Howard County property record for 10312 Winners Circle Way, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,652 sqft · built 1990
Lot Size	0.415 acres (18,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$855,000 (Jul 2024)
Tax Bill	$11,614 (2026)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-520820`

Property Details

APN / Parcel Number

Primary APN	`06-520820`
Alternative APNs	`6520820` `520820`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,652 sqft Total Area
Basement Area	1,104 sqft
Finished Basement	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,068 sqft (0.415 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Patio Area	280 sqft
Shed	1 Shed
Shed Area	81 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	520820
Street Address	10312 WINNERS CIRCLE WAY
City	LAUREL
State	MD
Zip	20723-5739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 32 .415 A 10312 WINNERS CIRCLE WAY HUNTERS CR FARM S 1 AR 1
Legal Subdivision	HUNTERS CREEK FARM
Legal Lot Number	32
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 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	10312 WINNERS CIRCLE WAY, LAUREL, MD 20723-5739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2024 · Amount on Record
Deed Sale	Jul 1, 2024 · Amount on Record
Prior Sale	Aug 29, 2012 · Amount on Record
Deed Book / Page	22404 / 36
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10312 WINNERS CIRCLE WAY, LAUREL, MD 20723-5739
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210650386
Date	Oct 29, 2021
Book Page	21065/386

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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	$11,614.00 (+6.69%)	$762,733 (+6.71%)	$858,600 (+20.12%) Land $298,500 Building $560,100
2025	$10,886.00 (+63.36%)	$714,800 (+12.95%) Land $248,500 Building $466,300	$714,800 (-) Land $248,500 Building $466,300
2023		$632,867	$714,800 Land $248,500 Building $466,300
2022	$6,664.00

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 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.

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 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