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10522 Saddlebrook Ct, Laurel, MD 20723 Property Records

Howard County property record for 10522 Saddlebrook Ct, Laurel, MD 20723 · Last verified August 2026

Property Summary

Property TypeTownhouse
Details1.5 ba · 1,260 sqft · built 1982
Lot Size0.043 acres (1,873 sqft)
Owner2 Individual Names on File
Last Sale$294,000 (Dec 2018)
Tax Bill$4,864 (2025)
Deeds & MortgagesJan 2021 Mortgage
Dec 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-463509

Property Details

APN / Parcel Number

Primary APN06-463509
Alternative APNs
  • 6463509
  • 463509

Interior

Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,260 sqft Total Area

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 1982
Architectural StyleTownhouse
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area1,873 sqft (0.043 acres)
Deck Area150 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Account Number463509
Street Address10522 SADDLEBROOK CT
CityLAUREL
StateMD
Zip20723-1252
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionLOT 20 .043 A 10522 SADDLEBROOK CT MURRAY HILL SEC 2 LAUREL
Legal SubdivisionMURRAY HILL
Legal Lot Number20
JurisdictionHOWARD MD
Township / Civil Division6, SAVAGE
Census Block Group2
Census Block2001
Census Tract606808

Owner

Source: Howard County records · APN 06-463509

Assessment roll updated August 4, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address10522 SADDLEBROOK CT, LAUREL, MD 20723-1252
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 08, 2021Deed of Trust, Mortgage · FHA Mortgage
CALIBER HOME LOANS INC
Dec 12, 2018Grant Deed, Transfer · FHA Mortgage
VELLUM MTG LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 12, 2018 · Amount on Record
Deed SaleDec 12, 2018 · Amount on Record
Prior SaleApr 19, 2004 · Amount on Record
Deed Book / Page18480 / 473
Record UpdatedSep 20, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHOWARD MD
Property Address10522 SADDLEBROOK CT, LAUREL, MD 20723-1252
Transaction TypeMortgage
Record UpdatedOct 25, 2022
Title CompanyFIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0200840298
DateJan 08, 2021
Book Page20084/298
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2051

December 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionHOWARD MD
Recording DateDec 12, 2018
Property Address10522 SADDLEBROOK CT, LAUREL, MD 20723-1252
Document Number0184800473
Book / Page018480 / 000473
Instrument DateNov 16, 2018
Transaction TypeTransfer
Record UpdatedDec 31, 2018
Title CompanySETTLEMENT MGMT SERVICES, SETTLEMENT MGMT SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$294.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address10522 SADDLEBROOK CT LAUREL MD 207231252, LAUREL, MD 20723-1252

Mortgage

Document Number184800479
DateDec 12, 2018
Book Page018480/000479
Lender
NameVELLUM MTG LLC
Address5860 TRINITY PKWY # 110, CENTREVILLE, VA 20120-1999
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 11, 2048

Tax Assessment & Valuation

Source: Howard County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyHoward County
Unified School DistrictHoward County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$334,767 (+5.37%)$368,900 (+16.12%) Land $200,000 Building $168,900
2025$4,864.00 (+62.84%) Homeowner's exemption$317,700 (+12.35%) Land $155,000 Building $162,700$317,700 (-) Land $155,000 Building $162,700
2023$282,767$317,700 Land $155,000 Building $162,700
2022$2,987.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Howard County (24027C), updated October 31, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240276068082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims1 (2020)
Most Recent ClaimAug 2020, rainfall accumulation

Wildfire

Wildfire RiskLow
above 4% of the US · above 8% of Maryland
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 274 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
VerizonFiber2,300 / 2,300
XfinityCable1,200 / 35
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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