10640 Gorman Rd, Laurel, MD 20723 Property Records

Howard County property record for 10640 Gorman Rd, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,752 sqft · built 1987
Lot Size	0.351 acres (15,289 sqft)
Owner	2 Individual Names on File
Last Sale	$703,500 (Sep 2025)
Tax Bill	$9,472 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-493173`

Property Details

APN / Parcel Number

Primary APN	`06-493173`
Alternative APNs	`6493173` `493173`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,752 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,289 sqft (0.351 acres)
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft
Deck Area	832 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	493173
Street Address	10640 GORMAN RD
City	LAUREL
State	MD
Zip	20723-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 4 .351 A 10640 GORMAN RD TWIN OAKS
Legal Subdivision	TWIN OAKS
Legal Lot Number	4
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1002
Census Tract	606807

Owner

10640 Gorman Rd is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	10640 GORMAN RD, LAUREL, MD 20723-1113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on File
Deed Sale	Sep 18, 2025 · Amount on File
Prior Sale	Jun 4, 1999
Deed Book / Page	22920 / 53
Prior Transfer Date	Aug 13, 2009
Prior Transfer Doc	0119770468
Record Updated	Oct 29, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Sep 18, 2025
Property Address	10640 GORMAN RD, LAUREL, MD 20723-1113
Document Number	0229200053
Book / Page	22920 / 53
Map Reference	PL CMP 6460
Instrument Date	Sep 5, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,517.50
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	10640 GORMAN RD, LAUREL, MD 20723-1113

Mortgage

Document Number	0002292059
Date	Sep 18, 2025
Instrument	22920/59

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 10640 Gorman Rd was $9,472, up 4.7% 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	$9,472.00 (+4.69%)	$614,200 (+4.65%)	$668,800 (+13.95%) Land $297,100 Building $371,700
2025	$9,048.00 (+6.57%)	$586,900 Land $247,100 Building $339,800	$586,900 Land $247,100 Building $339,800
2024	$8,490.00
2023		$509,233	$586,900 Land $247,100 Building $339,800
2022	$5,296.00

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

Flood

FEMA maps place 10640 Gorman Rd 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 10640 Gorman Rd is low, with less than 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 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.

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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20