Howard County property record for 10346 Derby Dr, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,624 sqft · built 1991 |
| Lot Size | 0.323 acres (14,079 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $785,000 (Apr 2022) |
| Tax Bill | $9,668 (2026) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-521274 |
| Primary APN | 06-521274 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,624 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 14,079 sqft (0.323 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 521274 |
|---|---|
| Street Address | 10346 DERBY DR |
| City | LAUREL |
| State | MD |
| Zip | 20723-5717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 58 .33 A 10346 DERBY DR HUNTERS CREEK FARM S1 A2 |
| Legal Subdivision | HUNTERS CREEK |
| Legal Lot Number | 57 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 606807 |
10346 Derby Dr is owned and occupied by two individuals who bought it in April 2022.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10346 DERBY DR, LAUREL, MD 20723-5717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 22, 2022 | Deed, Transfer · Conventional Mortgage APL FCU |
| Mar 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2022 · Amount on File |
| Deed Sale | Apr 22, 2022 · Amount on File |
| Prior Sale | Jul 26, 1991 · Amount on File |
| Deed Book / Page | 21477 / 27 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 22, 2022 |
| Property Address | 10346 DERBY DR, LAUREL, MD 20723-5717 |
| Document Number | 0214770027 |
| Book / Page | 21477 / 27 |
| Map Reference | PL 8225 |
| Instrument Date | Apr 14, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,775.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10346 DERBY DR, LAUREL, MD 20723-5717 |
| Document Number | 0002147734 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 21477/34 |
| Name | APL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10346 DERBY DR, LAUREL, MD 20723-5717 |
| Document Number | 0185750193 |
| Instrument Date | Mar 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10346 DERBY DR LAUREL MD 207235717, LAUREL, MD 20723-5717 |
| Document Number | 0185750193 |
|---|---|
| Date | Mar 11, 2019 |
| Book Page | 018575/000193 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 10, 2049 |
The 2026 property tax bill for 10346 Derby Dr was $9,668 with a homeowner's exemption, down 3.3% from the year before.
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 | $9,668.00 (-3.28%) Homeowner's exemption | $742,133 (+4.45%) | $805,400 (+13.36%) Land $296,500 Building $508,900 |
| 2025 | $9,996.00 Homeowner's exemption | $710,500 Land $246,500 Building $464,000 | $710,500 Land $246,500 Building $464,000 |
| 2023 | $607,700 | $710,500 Land $246,500 Building $464,000 | |
| 2022 | $6,263.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10346 Derby Dr in Zone X, an area of minimal flood risk.
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 risk around 10346 Derby Dr 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 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: 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 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 |
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