Howard County property record for 10650 Harding Rd, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,296 sqft · built 1979 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $225,000 (Sep 2007) |
| Tax Bill | $7,793 (2026) |
| Deeds & Mortgages | Dec 2016 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-448402 |
| Primary APN | 06-448402 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,296 sqft Total Area |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 46,174 sqft (1.06 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 428 sqft |
| Deck Area | 98 sqft |
| Shed | 1 Shed |
| Shed Area | 768 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 448402 |
|---|---|
| Street Address | 10650 HARDING RD |
| City | LAUREL |
| State | MD |
| Zip | 20723-1232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 2 1.0687 AR 10650 HARDING RD MERSON TRACT |
| Legal Subdivision | MERSON TR |
| Legal Lot Number | 2 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 606805 |
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 | 2 Trust Names on Record |
|---|---|
| Mailing Address | 10650 HARDING RD, LAUREL, MD 20723-1232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2007 · Amount on Record |
| Deed Sale | Sep 7, 2007 · Amount on Record |
| Deed Document Number | 200780974 |
| Deed Book / Page | 10877 / 6 |
| Prior Transfer Date | May 25, 2007 |
| Prior Transfer Doc | 0108770011 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10650 HARDING RD, LAUREL, MD 20723-1232 |
| Document Number | 0173950321 |
| Book / Page | 017395 / 000321 |
| Instrument Date | Dec 6, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 10650 HARDING RD LAUREL MD 207231232, LAUREL, MD 20723-1232 |
| Document Number | 0173950321 |
|---|---|
| Date | Jan 19, 2017 |
| Book Page | 017395/000321 |
| Name | STATE EMP CU/MD |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 18, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $7,793.00 (+4.07%) Homeowner's exemption | $497,733 (+4.06%) | $536,600 (+12.19%) Land $311,800 Building $224,800 |
| 2025 | $7,488.00 (+4.23%) Homeowner's exemption | $478,300 (+9.69%) Land $261,800 Building $216,500 | $478,300 (-) Land $261,800 Building $216,500 |
| 2024 | $7,184.00 (+53.8%) | ||
| 2023 | $436,033 | $478,300 Land $261,800 Building $216,500 | |
| 2022 | $4,671.00 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 218 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 | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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