Howard County property record for 10358 Derby Dr, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,224 sqft · built 1991 |
| Lot Size | 0.369 acres (16,094 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $906,000 (Oct 2025) |
| Tax Bill | $11,442 (2026) |
| Deeds & Mortgages | May 2023 Mortgage Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-521231 |
| Primary APN | 06-521231 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,224 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 | 16,094 sqft (0.369 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 432 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 521231 |
|---|---|
| Street Address | 10358 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 55 .37 A 10358 DERBY DR HUNTERS CREEK FARM S1 A2 |
| Legal Subdivision | HUNTERS CREEK |
| Legal Lot Number | 55 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 606807 |
10358 Derby Dr is owned and occupied by two individuals who bought it in October 2025.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10358 DERBY DR, LAUREL, MD 20723-5717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| May 22, 2023 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Oct 23, 2025 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2025 · Amount on File |
| Deed Sale | Oct 23, 2025 · Amount on File |
| Prior Sale | Dec 20, 1991 · Amount on File |
| Deed Book / Page | 22970 / 219 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10358 DERBY DR, LAUREL, MD 20723-5717 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 10358 DERBY DR, LAUREL, MD 20723-5717 |
| Document Number | 0219790208 |
|---|---|
| Date | May 22, 2023 |
| Book Page | 21979/208 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ROSA, CA 95401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Oct 23, 2025 |
| Property Address | 10358 DERBY DR, LAUREL, MD 20723-5717 |
| Document Number | 0229700219 |
| Book / Page | 22970 / 219 |
| Map Reference | PL 8825 |
| Instrument Date | Jul 7, 2025 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | REGAL TITLE AGENCY, REALM TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,265.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10358 DERBY DR, LAUREL, MD 20723-5717 |
| Document Number | 0022970225 |
|---|---|
| Date | Oct 23, 2025 |
| Instrument | 22970/225 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Aug 1, 2055 |
The 2026 property tax bill for 10358 Derby Dr was $11,442 with a homeowner's exemption, up 21.6% 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 | $11,442.00 (+21.61%) Homeowner's exemption | $750,800 (+4.38%) | $813,800 (+13.14%) Land $297,500 Building $516,300 |
| 2025 | $9,409.00 Homeowner's exemption | $719,300 Land $247,500 Building $471,800 | $719,300 Land $247,500 Building $471,800 |
| 2023 | $646,167 | $719,300 Land $247,500 Building $471,800 | |
| 2022 | $6,864.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10358 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 10358 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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