10396 Derby Dr, Laurel, MD 20723 Property Records

Howard County property record for 10396 Derby Dr, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,966 sqft · built 1993
Lot Size	0.385 acres (16,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$732,500 (Feb 2021)
Tax Bill	$11,792 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-525369`

Property Details

APN / Parcel Number

Primary APN	`06-525369`
Alternative APNs	`6525369` `525369`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,966 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	16,750 sqft (0.385 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Deck Area	480 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	525369
Street Address	10396 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 94 .385 A 10396 DERBY DR HUNTERS CR FR S 1 AR 3
Legal Subdivision	HUNTERS CK FRM
Legal Lot Number	94
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	10396 DERBY DR, LAUREL, MD 20723-5738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Feb 23, 2021	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2021 · Amount on Record
Deed Sale	Feb 23, 2021 · Amount on Record
Prior Sale	Oct 14, 1993 · Amount on Record
Deed Book / Page	20252 / 70
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10396 DERBY DR, LAUREL, MD 20723-5738
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	ENDEAVOR TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10396 DERBY DR, LAUREL, MD 20723-5738

Mortgage

Document Number	0209320184
Date	Sep 22, 2021
Book Page	20932/184

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Feb 23, 2021
Property Address	10396 DERBY DR, LAUREL, MD 20723-5738
Document Number	0202520070
Book / Page	20252 / 70
Instrument Date	Feb 12, 2021
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ENDEAVOR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,818.75
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	9501 DURNESS LN, LAUREL, MD 20723-5998

Mortgage

Document Number	2025277
Date	Feb 23, 2021
Instrument	20252/77

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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	$11,792.00 (+4.46%)	$775,067 (+4.34%)	$839,600 (+13.03%) Land $297,800 Building $541,800
2025	$11,288.00 (+59.75%)	$742,800 (+11.53%) Land $247,800 Building $495,000	$742,800 (-) Land $247,800 Building $495,000
2023		$666,000	$742,800 Land $247,800 Building $495,000
2022	$7,066.00

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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