Howard County property record for 10640 Whiterock Ct, Laurel, MD 20723
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,220 sqft · built 1984 |
| Lot Size | 0.043 acres (1,873 sqft) |
| Owner | Individual Name on File |
| Last Sale | $319,900 (Apr 2019) |
| Tax Bill | $5,857 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-471226 |
| Primary APN | 06-471226 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,220 sqft Total Area |
| Basement Area | 450 sqft |
| Finished Basement | 450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,873 sqft (0.043 acres) |
| Deck Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 471226 |
|---|---|
| Street Address | 10640 WHITEROCK CT |
| City | LAUREL |
| State | MD |
| Zip | 20723-1261 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | RSC |
| Legal Description | LOT 30 .0431 A 10640 WHITEROCK CT MURRRAY HILL S 4 AR 1 |
| Legal Subdivision | MURRAY HILL - SECTION 4 - AREA 1 |
| Legal Lot Number | 30 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 606808 |
10640 Whiterock Ct, a townhouse, is owned and occupied by an individual who bought it in April 2019.
Source: Howard County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10640 WHITEROCK CT, LAUREL, MD 20723-1261 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NFM INC |
| Dec 17, 2019 | Deed of Trust, Mortgage · FHA Mortgage NFM LNDG |
| Apr 30, 2019 | Grant Deed, Transfer · FHA Mortgage NFM LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2019 · Amount on File |
| Deed Sale | Apr 30, 2019 · Amount on File |
| Prior Sale | Feb 10, 2006 · Amount on File |
| Deed Book / Page | 18644 / 248 |
| Prior Transfer Date | Jan 10, 2006 |
| Prior Transfer Doc | 0098160414 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10640 WHITEROCK CT, LAUREL, MD 20723-1261 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | NOT AVAILABLE, SOURCEPOINT |
| Name | Verified Name |
|---|---|
| Address | 10640 WHITEROCK CT, LAUREL, MD 20723-1261 |
| Document Number | 0209510262 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 20951/262 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10640 WHITEROCK CT, LAUREL, MD 20723-1261 |
| Document Number | 0191160117 |
| Instrument Date | Dec 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2020 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 10640 WHITEROCK CT LAUREL MD 207231261, LAUREL, MD 20723-1261 |
| Document Number | 0191160117 |
|---|---|
| Date | Jan 8, 2020 |
| Book Page | 019116/000117 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 7, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 30, 2019 |
| Property Address | 10640 WHITEROCK CT, LAUREL, MD 20723-1261 |
| Document Number | 0186440248 |
| Book / Page | 018644 / 000248 |
| Instrument Date | Apr 26, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2019 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $319.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 10640 WHITEROCK CT LAUREL MD 207231261, LAUREL, MD 20723-1261 |
| Document Number | 186440254 |
|---|---|
| Date | Apr 30, 2019 |
| Book Page | 018644/000254 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 29, 2049 |
The 2026 property tax bill for 10640 Whiterock Ct was $5,857 with a homeowner's exemption, up 2.1% from the year before.
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 | $5,857.00 (+2.09%) Homeowner's exemption | $399,000 (+4.75%) | $435,200 (+14.26%) Land $200,000 Building $235,200 |
| 2025 | $5,737.00 (+4.71%) Homeowner's exemption | $380,900 Land $155,000 Building $225,900 | $380,900 Land $155,000 Building $225,900 |
| 2024 | $5,479.00 | ||
| 2023 | $338,633 | $380,900 Land $155,000 Building $225,900 | |
| 2022 | $3,575.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10640 Whiterock Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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.
Wildfire risk around 10640 Whiterock Ct is low, with 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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: 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 |
| 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.
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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