Howard County property record for 10651 Whiterock Ct, Laurel, MD 20723
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,220 sqft · built 1984 |
| Lot Size | 0.048 acres (2,090 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Sep 2025) |
| Tax Bill | $5,282 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-471110 |
| Primary APN | 06-471110 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,220 sqft Total Area |
| Basement Area | 1 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 2,090 sqft (0.048 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 471110 |
|---|---|
| Street Address | 10651 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 21 .0488 A 10651 WHITEROCK CT MURRAY HILL S 4 AR 1 |
| Legal Subdivision | MURRAY HILL SEC 04 |
| Legal Lot Number | 21 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 606808 |
10651 Whiterock Ct, a townhouse, 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 | 10651 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Mar 5, 2026 | Deed of Trust, Mortgage · FHA Mortgage TOWNEBANK MORTGAGE |
| Mar 5, 2026 | Deed of Trust, Mortgage · Line of Credit TOWNEBANK MORTGAGE |
| Sep 23, 2025 | Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE |
| Jan 26, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2025 · Amount on File |
| Deed Sale | Sep 23, 2025 · Amount on File |
| Prior Sale | Aug 29, 2006 |
| Deed Book / Page | 22927 / 281 |
| Prior Transfer Date | Jan 4, 2021 |
| Prior Transfer Doc | 0201500328 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10651 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 15309 GREAL PL, SILVER SPRING, MD 20905 |
| Document Number | 0231410248 |
|---|---|
| Date | Mar 5, 2026 |
| Book Page | 23141/248 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | NORFOLK, VA 23510 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10651 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0231410273 |
|---|---|
| Date | Mar 5, 2026 |
| Book Page | 23141/273 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | NORFOLK, VA 23510 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 23, 2025 |
| Property Address | 10651 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Document Number | 0229270281 |
| Book / Page | 22927 / 281 |
| Map Reference | PL 5397-5399 |
| Instrument Date | Sep 12, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2025 |
| Title Company | LAKESIDE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,075.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10651 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Document Number | 0022927291 |
|---|---|
| Date | Sep 23, 2025 |
| Instrument | 22927/291 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Number | 0229270313 |
|---|---|
| Date | Sep 23, 2025 |
| Book Page | 22927/313 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | NORFOLK, VA 23510 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jan 26, 2021 |
| Property Address | 10651 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Document Number | 0201500328 |
| Book / Page | 20150 / 328 |
| Map Reference | PL 5397-5399 |
| Instrument Date | Jan 4, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10651 WHITEROCK CT, LAUREL, MD 20723-1260 |
| Document Number | 20150333 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 20150/333 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2026 property tax bill for 10651 Whiterock Ct was $5,282, up 8.3% 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 | $5,282.00 (+8.26%) | $336,467 (+5.57%) | $372,000 (+16.72%) Land $200,000 Building $172,000 |
| 2025 | $4,879.00 (+4.65%) Homeowner's exemption | $318,700 Land $155,000 Building $163,700 | $318,700 Land $155,000 Building $163,700 |
| 2024 | $4,662.00 | ||
| 2023 | $283,700 | $318,700 Land $155,000 Building $163,700 | |
| 2022 | $2,997.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10651 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 10651 Whiterock Ct 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.
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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