Howard County property record for 10645 Whiterock Ct, Laurel, MD 20723
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,220 sqft · built 1984 |
| Lot Size | 0.041 acres (1,785 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $441,000 (Jul 2025) |
| Tax Bill | $5,676 (2026) |
| Deeds & Mortgages | Jan 2020 Mortgage Aug 2020 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-471099 |
| Primary APN | 06-471099 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,220 sqft Total Area |
| Basement Area | 450 sqft |
| Finished Basement | 450 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Lot Area | 1,785 sqft (0.041 acres) |
| Deck Area | 270 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 471099 |
|---|---|
| Street Address | 10645 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 19 .0413 A 10645 WHITEROCK CT MURRAY HILL S 4 AR 1 |
| Legal Subdivision | MURRAY HILL |
| Legal Lot Number | 19 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 606808 |
Source: Howard County records, as of September 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10645 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Aug 21, 2020 | Deed, Transfer · Line of Credit MARYLAND DEPT OF HOUSING & COMMUNIT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2025 · Amount on Record |
| Deed Sale | Jul 15, 2025 · Amount on Record |
| Prior Sale | Aug 21, 2020 · Amount on Record |
| Deed Book / Page | 22843 / 336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10645 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0191330057 |
|---|---|
| Date | Jan 17, 2020 |
| Book Page | 19133/057 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Address | BETHESDA, MD 20814 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 1, 2045 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Aug 21, 2020 |
| Property Address | 10645 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Document Number | 0196430361 |
| Book / Page | 19643 / 361 |
| Map Reference | PL 5397 |
| Instrument Date | Jul 15, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | HOME FIRST TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,062.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 10645 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Document Number | 19643400 |
|---|---|
| Date | Aug 21, 2020 |
| Instrument | 19643/400 |
| Name | MARYLAND DEPT OF HOUSING & COMMUNIT |
|---|---|
| Type | Government Agency |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0196430369 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 19643/369 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
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 | $5,676.00 (+8.09%) Homeowner's exemption | $363,767 (+8.43%) | $420,300 (+25.28%) Land $200,000 Building $220,300 |
| 2025 | $5,251.00 (+71.15%) | $335,500 (+14.31%) Land $155,000 Building $180,500 | $335,500 (-) Land $155,000 Building $180,500 |
| 2023 | $293,500 | $335,500 Land $155,000 Building $180,500 | |
| 2022 | $3,068.00 |
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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