10620 Graeloch Rd, Laurel, MD 20723 Property Records

Howard County property record for 10620 Graeloch Rd, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,458 sqft · built 1968
Lot Size	0.724 acres (31,537 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Jul 2017)
Tax Bill	$7,078 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-419372`

Property Details

APN / Parcel Number

Primary APN	`06-419372`
Alternative APNs	`6419372` `419372`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,458 sqft Total Area
Basement Area	720 sqft
Finished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	31,537 sqft (0.724 acres)
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	200 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	419372
Street Address	10620 GRAELOCH RD
City	LAUREL
State	MD
Zip	20723-1121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 14 BL F SEC 5 10620 GRAELOCH RD HAMMOND VILLAGE
Legal Subdivision	HAMMOND VILLAGE
Legal Block	F
Legal Lot Number	14
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	2
Census Block	2010
Census Tract	606808

Owner

Source: Howard County records, as of August 18, 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	10620 GRAELOCH RD, LAUREL, MD 20723-1121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRESIDENTIAL BANK FSB
Jul 14, 2017	Grant Deed, Transfer · Conventional Mortgage SOUTHERN TR MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2017 · Amount on Record
Deed Sale	Jul 14, 2017 · Amount on Record
Prior Sale	May 14, 1981 · Amount on Record
Deed Document Number	2017693-115
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10620 GRAELOCH RD, LAUREL, MD 20723-1121
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PASSPORT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200770329
Date	Jan 7, 2021
Book Page	20077/329

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Jul 14, 2017
Property Address	10620 GRAELOCH RD, LAUREL, MD 20723-1121
Document Number	0176930115
Book / Page	017693 / 000115
Instrument Date	Jun 30, 2017
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	TITLE-RITE SERVICES INC, TITLE-RITE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10620 GRAELOCH RD LAUREL MD 207231121, LAUREL, MD 20723-1121

Mortgage

Document Number	176930122
Date	Jul 14, 2017
Book Page	017693/000122

Lender

Name	SOUTHERN TR MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2047

Tax Assessment & Valuation

Source: Howard County assessment roll, as of August 4, 2025

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		$568,867 (+3.75%)	$610,000 (+11.25%) Land $305,200 Building $304,800
2025	$7,078.00 (+37.7%) Homeowner's exemption	$548,300 (+12.56%) Land $255,200 Building $293,100	$548,300 (-) Land $255,200 Building $293,100
2023		$487,100	$548,300 Land $255,200 Building $293,100
2022	$5,140.00

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	7 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Aug 2020 · rainfall accumulation

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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 244 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

May also be available: T-Mobile.

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