10646 Harding Rd, Laurel, MD 20723 Property Records

Howard County property record for 10646 Harding Rd, Laurel, MD 20723 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 1965
Square Footage	864 sqft Total Area
Lot Size	21,780 sqft (0.5 acres)
Occupancy	Owner Occupied
Last Sale	$251,000 (2017)
Tax Bill	$5,810.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-403549`
Alternative APNs	`6403549` `403549`

Interior

Full Baths	1 Baths
Building Area	864 sqft Total Area
Stories	1 Stories

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Frame Construction
Roof Material	Composition Shingle Roof
Lot Area	21,780 sqft (0.5 acres)

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	403549
Street Address	10646 HARDING RD
City	LAUREL
State	MD
Zip	20723-1232
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	.50 A 10646 HARDING RD LAUREL
Jurisdiction	HOWARD MD
Minor Civil Division	6, SAVAGE
Census Blockgroup	2
Census Block	2005
Census Tract	606805

Owner

Source: Howard County records · APN 06-403549

Assessment roll updated August 4, 2025 · Last verified August 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 File
Mailing Address	10646 HARDING RD, LAUREL, MD 20723-1232
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 07, 2017 · Amount on Record
Deed Sale	Sep 07, 2017 · Amount on Record
Deed Doc Number	2017795-418
Record Refreshed	Sep 20, 2026

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Sep 07, 2017
Property Address	10646 HARDING RD, LAUREL, MD 20723-1232
Document Number	0177950418
Book / Page	017795 / 000418
Instrument Date	Jul 27, 2017
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	STEWART LENDER SERVICES, STEWART LENDER SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$251.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	10646 HARDING RD LAUREL MD 207231232, LAUREL, MD 20723-1232

Mortgage

Document Number	177950424
Date	Sep 07, 2017
Book Page	017795/000424

Lender

Name	CAPITAL ONE NA
Type	Funding / Finance Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 06, 2047

Tax Assessment & Valuation

Source: Howard County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Howard County
Unified School District	Howard County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$384,100 (+6.25%)	$429,300 (+18.76%) Land $300,300 Building $129,000
2025	$5,810.00 (+52.41%) Homeowner's exemption	$361,500 (+4.41%) Land $250,300 Building $111,200	$361,500 (-) Land $250,300 Building $111,200
2023		$346,233	$361,500 Land $250,300 Building $111,200
2022	$3,812.00

Flood & Wildfire

10646 Harding Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Howard County (24027C), updated October 31, 2023

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 41st in Maryland
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.