10393 Derby Dr, Laurel, MD 20723 Property Records

Howard County property record for 10393 Derby Dr, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,274 sqft · built 1993
Lot Size	0.321 acres (14,000 sqft)
Owner	2 Trust Names on File
Last Sale	$590,000 (Oct 2009)
Tax Bill	$11,717 (2026)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-525288`

Property Details

APN / Parcel Number

Primary APN	`06-525288`
Alternative APNs	`6525288` `525288`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,274 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,000 sqft (0.321 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	348 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	525288
Street Address	10393 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 87 .321 A 10393 DERBY DR HUNTERS CR FR S 1 AR 3
Legal Subdivision	HUNTERS CK FRM
Legal Lot Number	87
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1001
Census Tract	606807

Owner

10393 Derby Dr is owner-occupied and held in a trust since October 2009.

Source: Howard County records, as of September 4, 2026

Owner of Record	2 Trust Names on File
Mailing Address	10393 DERBY DR, LAUREL, MD 20723-5743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2009 · Amount on File
Deed Sale	Oct 7, 2009 · Amount on File
Prior Sale	Nov 15, 1993 · Amount on File
Deed Document Number	20093138
Deed Book / Page	12074 / 29
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10393 DERBY DR, LAUREL, MD 20723-5743
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0212840096
Date	Jan 24, 2022
Book Page	21284/96

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	352 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 10393 Derby Dr was $11,717 with a homeowner's exemption, up 3.8% from the year before.

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	$11,717.00 (+3.8%) Homeowner's exemption	$788,633 (+4.33%)	$854,100 (+12.99%) Land $296,500 Building $557,600
2025	$11,288.00 Homeowner's exemption	$755,900 Land $246,500 Building $509,400	$755,900 Land $246,500 Building $509,400
2023		$678,567	$755,900 Land $246,500 Building $509,400
2022	$7,205.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10393 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

Wildfire risk around 10393 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.

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