10432 White Ct, Laurel, MD 20723 Property Records

Howard County property record for 10432 White Ct, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,384 sqft · built 2002
Lot Size	0.361 acres (15,708 sqft)
Owner	2 Individual Names on Record
Last Sale	$840,000 (Mar 2022)
Tax Bill	$12,983 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-565964`

Property Details

APN / Parcel Number

Primary APN	`06-565964`
Alternative APNs	`6565964` `565964`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,384 sqft Total Area
Basement Area	1,233 sqft
Finished Basement	1,233 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,708 sqft (0.361 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	364 sqft
Deck Area	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	565964
Street Address	10432 WHITE CT
City	LAUREL
State	MD
Zip	20723-5709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 84 15708 SQ' 10432 WHITE CT WARFIELDS RANGE II RS 69
Legal Subdivision	WARFIELD RANGE SEC 2
Legal Block	9999
Legal Lot Number	84
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	10432 WHITE CT, LAUREL, MD 20723-5709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Dec 21, 2021	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Mar 14, 2022	Re-recorded Document NOT AVAILABLE, TRUE TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2022 · Amount on Record
Deed Sale	Mar 14, 2022 · Amount on Record
Prior Sale	Dec 21, 2021 · Amount on Record
Deed Book / Page	21396 / 32
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10432 WHITE CT, LAUREL, MD 20723-5709
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10432 WHITE CT, LAUREL, MD 20723-5709

Mortgage

Document Number	0197450444
Date	Sep 24, 2020
Book Page	19745/444

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Oct 1, 2023
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	4.12%
Index	5-Year CMT
Margin	2
Max Rate	7.12%

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Dec 21, 2021
Property Address	10432 WHITE CT, LAUREL, MD 20723-5709
Document Number	0212100041
Book / Page	21210 / 41
Map Reference	PL 15034&15035
Instrument Date	Dec 15, 2021
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	TRUE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,600.00
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	10432 WHITE CT, LAUREL, MD 20723-5709

Mortgage

Document Number	0002121050
Date	Dec 21, 2021
Instrument	21210/50

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Mortgage

Document Number	0212100072
Date	Dec 21, 2021
Book Page	21210/72

Lender

Name	NEXTMARK FCU
Type	Credit Union
Address	FAIRFAX, VA 22030

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	HOWARD MD
Recording Date	Mar 14, 2022
Property Address	10432 WHITE CT, LAUREL, MD 20723-5709
Document Number	0213960032
Book / Page	21396 / 32
Map Reference	PL 15034&15035
Instrument Date	Dec 15, 2021
Record Updated	Mar 23, 2022
Title Company	NOT AVAILABLE, TRUE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10432 WHITE CT, LAUREL, MD 20723-5709

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	$12,983.00 (+6.76%)	$847,567 (+6.83%)	$955,900 (+20.48%) Land $297,300 Building $658,600
2025	$12,161.00 (+71.28%)	$793,400 (+15.85%) Land $192,300 Building $601,100	$793,400 (-) Land $192,300 Building $601,100
2023		$684,867	$793,400 Land $192,300 Building $601,100
2022	$7,100.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 94% of the US · lower than 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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