Howard County property record for 10385 Derby Dr, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,119 sqft · built 1993 |
| Lot Size | 0.342 acres (14,917 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $825,000 (Apr 2023) |
| Tax Bill | $11,964 (2026) |
| Deeds & Mortgages | Dec 2025 Line of Credit Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-525253 |
| Primary APN | 06-525253 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,119 sqft Total Area |
| Basement Area | 1,206 sqft |
| Finished Basement | 1,206 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 14,917 sqft (0.342 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 324 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 525253 |
|---|---|
| Street Address | 10385 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 85 .342 A 10385 DERBY DR HUNTERS CR FR S 1 AR 3 |
| Legal Subdivision | HUNTERS CK FRM |
| Legal Lot Number | 85 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10385 DERBY DR, LAUREL, MD 20723-5743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Apr 11, 2023 | Deed, Transfer · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2023 · Amount on Record |
| Deed Sale | Apr 11, 2023 · Amount on Record |
| Prior Sale | Jan 10, 1994 · Amount on Record |
| Deed Book / Page | 21935 / 186 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10385 DERBY DR, LAUREL, MD 20723-5743 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 10385 DERBY DR, LAUREL, MD 20723-5743 |
| Document Number | 0230310157 |
|---|---|
| Date | Dec 10, 2025 |
| Book Page | 23031/157 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Dec 1, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 11, 2023 |
| Property Address | 10385 DERBY DR, LAUREL, MD 20723-5743 |
| Document Number | 0219350186 |
| Book / Page | 21935 / 186 |
| Map Reference | MB 8563 |
| Instrument Date | Mar 31, 2023 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,062.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10385 DERBY DR, LAUREL, MD 20723-5743 |
| Document Number | 0021935194 |
|---|---|
| Date | Apr 11, 2023 |
| Instrument | 21935/194 |
| Name | FIDELITY DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2053 |
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 | $11,964.00 (+5.81%) | $786,967 (+5.76%) | $872,700 (+17.28%) Land $296,900 Building $575,800 |
| 2025 | $11,307.00 (+59.41%) | $744,100 (+11.39%) Land $246,900 Building $497,200 | $744,100 (-) Land $246,900 Building $497,200 |
| 2023 | $668,033 | $744,100 Land $246,900 Building $497,200 | |
| 2022 | $7,093.00 |
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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