10408 Derby Dr, Laurel, MD 20723 Property Records

Howard County property record for 10408 Derby Dr, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,977 sqft · built 1993
Lot Size	0.313 acres (13,624 sqft)
Owner	2 Trust Names on File
Last Sale	$310,815 (Sep 1993)
Tax Bill	$8,099 (2026)
Deeds & Mortgages	Jun 2021 Transfer Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-525334`

Property Details

APN / Parcel Number

Primary APN	`06-525334`
Alternative APNs	`6525334` `525334`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,977 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	13,624 sqft (0.313 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Deck Area	476 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	525334
Street Address	10408 DERBY DR
City	LAUREL
State	MD
Zip	20723-5740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 91 .313 A 10408 DERBY DR HUNTERS CR FR S 1 AR 3
Legal Subdivision	HUNTERS CK FRM
Legal Lot Number	91
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1001
Census Tract	606807

Owner

10408 Derby Dr is owner-occupied and held in a trust since June 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	10408 DERBY DR, LAUREL, MD 20723-5740
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

Date	Document
Jun 23, 2021	Intrafamily Transfer, Transfer
Jan 4, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMP CU/MD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 1993 · Amount on File
Deed Sale	Sep 7, 1993 · Amount on File
Deed Book / Page	2973 / 202
Last Transfer Date	Jun 11, 2021
Transfer Doc	0206570419
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD MD
Recording Date	Jun 23, 2021
Property Address	10408 DERBY DR, LAUREL, MD 20723-5740
Document Number	0206570419
Book / Page	20657 / 419
Map Reference	PL 8563
Instrument Date	Jun 11, 2021
Transaction Type	Transfer
Record Updated	Jul 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10408 DERBY DR, LAUREL, MD 20723-5740

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10408 DERBY DR, LAUREL, MD 20723-5740
Document Number	0180320279
Book / Page	018032 / 000279
Instrument Date	Jan 4, 2018
Transaction Type	Mortgage
Record Updated	Feb 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10408 DERBY DR LAUREL MD 207235740, LAUREL, MD 20723-5740

Mortgage

Document Number	0180320279
Date	Jan 31, 2018
Book Page	018032/000279

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	LINTHICUM, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 10408 Derby Dr was $8,099 with a homeowner's exemption, down 10.7% 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	$8,099.00 (-10.66%) Homeowner's exemption	$724,100 (+4.44%)	$785,700 (+13.33%) Land $296,300 Building $489,400
2025	$9,065.00 (+5.22%) Homeowner's exemption	$693,300 Land $246,300 Building $447,000	$693,300 Land $246,300 Building $447,000
2024	$8,615.00
2023		$622,900	$693,300 Land $246,300 Building $447,000
2022	$6,617.00

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

Flood

FEMA maps place 10408 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 10408 Derby Dr is low, with 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 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

Nearby Properties on Derby Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures