Howard County property record for 10381 Derby Dr, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,397 sqft · built 1991 |
| Lot Size | 0.375 acres (16,322 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $740,000 (Jul 2020) |
| Tax Bill | $12,920 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-525245 |
| Primary APN | 06-525245 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,397 sqft Total Area |
| Basement Area | 470 sqft |
| Finished Basement | 470 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 16,322 sqft (0.375 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 480 sqft |
| Patio Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 525245 |
|---|---|
| Street Address | 10381 DERBY DR |
| City | LAUREL |
| State | MD |
| Zip | 20723-5743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 84 .375 A 10381 DERBY DR HUNTERS CR FR S 1 AR 3 |
| Legal Subdivision | HUNTERS CRK FRM SEC 01 AR 03 |
| Legal Lot Number | 84 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 10381 DERBY DR, LAUREL, MD 20723-5743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 29, 2020 | Deed, Transfer · VA Mortgage FIDELITY DIRECT MORTGAGE LLC |
| Apr 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage M&T BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2020 · Amount on Record |
| Deed Sale | Jul 29, 2020 · Amount on Record |
| Prior Sale | Oct 21, 1991 · Amount on Record |
| Deed Book / Page | 19574 / 296 |
| Last Transfer Date | Sep 17, 2024 |
| Transfer Doc | 0226590247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10381 DERBY DR, LAUREL, MD 20723-5743 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0204510483 |
|---|---|
| Date | Apr 15, 2021 |
| Book Page | 20451/483 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 29, 2020 |
| Property Address | 10381 DERBY DR, LAUREL, MD 20723-5743 |
| Document Number | 0195740296 |
| Book / Page | 19574 / 296 |
| Map Reference | MB CMP 8563 |
| Instrument Date | Jul 16, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | ASSURANCE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10381 DERBY DR, LAUREL, MD 20723-5743 |
| Investor | Possibly a Property Investor |
| Document Number | 19574303 |
|---|---|
| Date | Jul 29, 2020 |
| Instrument | 19574/303 |
| Name | FIDELITY DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10381 DERBY DR, LAUREL, MD 20723-5743 |
| Document Number | 0176930034 |
| Book / Page | 017693 / 000034 |
| Instrument Date | Apr 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2017 |
| Title Company | LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Address | 300 S GAY ST #303 KNOXVILLE TN 379021171, 303, KNOXVILLE, TN 37902-1171 |
| Document Number | 0176930034 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 017693/000034 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 13, 2032 |
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 | $12,920.00 (+0.41%) Homeowner's exemption | $882,600 (+4.25%) | $954,600 (+12.76%) Land $297,600 Building $657,000 |
| 2025 | $12,867.00 (+1,730.3%) Homeowner's exemption | $846,600 (+17.99%) Land $247,600 Building $599,000 | $846,600 (-) Land $247,600 Building $599,000 |
| 2024 | $703.00 (-90.44%) | ||
| 2023 | $717,533 | $846,600 Land $247,600 Building $599,000 | |
| 2022 | $7,352.00 |
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 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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