10392 Derby Dr, Laurel, MD 20723 Property Records

Howard County property record for 10392 Derby Dr, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,799 sqft · built 1992
Lot Size	0.443 acres (19,308 sqft)
Owner	2 Individual Names on Record
Last Sale	$806,000 (Mar 2023)
Tax Bill	$10,448 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-525377`

Property Details

APN / Parcel Number

Primary APN	`06-525377`
Alternative APNs	`6525377` `525377`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,799 sqft Total Area
Basement Area	1,206 sqft
Finished Basement	1,206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	19,308 sqft (0.443 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	472 sqft
Patio Area	980 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	525377
Street Address	10392 DERBY DR
City	LAUREL
State	MD
Zip	20723-5738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 95 .443 A 10392 DERBY DR HUNTERS CR FR S 1 AR 3
Legal Subdivision	HUNTERS CRK FRM SEC 01 AR 03
Legal Lot Number	95
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	10392 DERBY DR, LAUREL, MD 20723-5738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · VA Mortgage FIRST HOME MORTGAGE CORP
Mar 16, 2023	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2023 · Amount on Record
Deed Sale	Mar 16, 2023 · Amount on Record
Prior Sale	Feb 3, 1993 · Amount on Record
Deed Book / Page	21910 / 114
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10392 DERBY DR, LAUREL, MD 20723-5738
Transaction Type	Mortgage
Record Updated	Nov 12, 2025
Title Company	LEGACY SETTLEMENT SERVICES LLC, LEGACY SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10392 DERBY DR, LAUREL, MD 20723-5738

Mortgage

Document Number	0229640184
Date	Oct 21, 2025
Book Page	22964/184

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Mar 16, 2023
Property Address	10392 DERBY DR, LAUREL, MD 20723-5738
Document Number	0219100114
Book / Page	21910 / 114
Map Reference	MB 8563
Instrument Date	Mar 10, 2023
Transaction Type	Transfer
Record Updated	Mar 29, 2023
Title Company	LEGACY SETTLEMENT SERVICES LLC, LEGACY SETTLEMENT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10392 DERBY DR, LAUREL, MD 20723-5738

Mortgage

Document Number	0021910120
Date	Mar 16, 2023
Instrument	21910/120

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

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	$10,448.00 (+0.07%) Homeowner's exemption	$764,633 (+11.82%)	$926,300 (+35.46%) Land $299,100 Building $627,200
2025	$10,441.00 (+52.51%) Homeowner's exemption	$683,800 (+7.98%) Land $249,100 Building $434,700	$683,800 (-) Land $249,100 Building $434,700
2023		$633,267	$683,800 Land $249,100 Building $434,700
2022	$6,846.00

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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