Howard County property record for 10635 Whiterock Ct, Laurel, MD 20723
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,060 sqft · built 1984 |
| Lot Size | 0.039 acres (1,698 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Oct 2026) |
| Tax Bill | $5,246 (2026) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-471056 |
| Primary APN | 06-471056 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,060 sqft Total Area |
| Basement Area | 280 sqft |
| Finished Basement | 280 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,698 sqft (0.039 acres) |
| Deck Area | 400 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 471056 |
|---|---|
| Street Address | 10635 WHITEROCK CT |
| City | LAUREL |
| State | MD |
| Zip | 20723-1260 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | RSC |
| Legal Description | LOT 15 .0399 A 10635 WHITEROCK CT MURRAY HILL S 4 AR 1 |
| Legal Subdivision | MURRAY HILL SEC 04 |
| Legal Lot Number | 15 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 606808 |
Source: Howard County records, as of October 21, 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 | 10635 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 8, 2026 | Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORPORATION |
| Jun 23, 2021 | Deed, Transfer · Conventional Mortgage SANDY SPRING BANK |
| Jan 2, 2018 | Deed of Trust, Mortgage · VA Mortgage SOUTHERN TR MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2026 · Amount on Record |
| Deed Sale | Oct 8, 2026 · Amount on Record |
| Prior Sale | Jun 23, 2021 · Amount on Record |
| Deed Book / Page | 23445 / 367 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Oct 8, 2026 |
| Property Address | 10635 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Document Number | 2344000367 |
| Book / Page | 23445 / 367 |
| Instrument Date | Jul 31, 2026 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2026 |
| Title Company | LIBERTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $404,000.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10635 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Document Number | 2344000375, |
|---|---|
| Date | Oct 8, 2026 |
| Book Page | 23445/375 |
| Name | FIRST HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jun 23, 2021 |
| Property Address | 10635 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Document Number | 0206570102 |
| Book / Page | 20657 / 102 |
| Map Reference | PL 5397-5399 |
| Instrument Date | Jun 16, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2021 |
| Title Company | WOODLAND ESTATE AND TITLE LLC, WOODLAND ESTATE & TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,205.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10635 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Document Number | 20657108 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 20657/108 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10635 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Document Number | 0180260042 |
| Book / Page | 018026 / 000042 |
| Instrument Date | Jan 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2018 |
| Title Company | TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 10635 WHITEROCK CT LAUREL MD 207231260, LAUREL, MD 20723-1260 |
| Document Number | 0180260042 |
|---|---|
| Date | Jan 26, 2018 |
| Book Page | 018026/000042 |
| Name | SOUTHERN TR MTG |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23462 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 25, 2048 |
Source: Howard County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Howard County |
| Unified School District | Howard County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,246.00 (+5.28%) | $333,933 (+5.41%) | $368,200 (+16.22%) Land $200,000 Building $168,200 |
| 2025 | $4,983.00 (+65.6%) | $316,800 (+11.63%) Land $155,000 Building $161,800 | $316,800 (-) Land $155,000 Building $161,800 |
| 2023 | $283,800 | $316,800 Land $155,000 Building $161,800 | |
| 2022 | $3,009.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% 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.
Source: FCC Broadband Data Collection, based on 274 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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