10655 Harding Rd, Laurel, MD 20723 Property Records

Howard County property record for 10655 Harding Rd, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 2,637 sqft · built 2011
Lot Size	0.977 acres (42,558 sqft)
Owner	Individual Name on Record
Last Sale	$900,000 (Feb 2024)
Tax Bill	$11,330 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-485286`

Property Details

APN / Parcel Number

Primary APN	`06-485286`
Alternative APNs	`6485286` `485286`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,637 sqft Total Area
Basement Area	950 sqft
Finished Basement	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	42,558 sqft (0.977 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	485286
Street Address	10655 HARDING RD
City	LAUREL
State	MD
Zip	20723-1231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 3 .977 A HARDING ROAD PLEASANT STREAMS
Legal Subdivision	PLEASANT STREAMS
Legal Lot Number	3
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3003
Census Tract	606805

Owner

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	10655 HARDING RD, LAUREL, MD 20723-1231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 29, 2024 · Amount on Record
Deed Sale	Feb 29, 2024 · Amount on Record
Prior Sale	May 5, 2005 · Amount on Record
Deed Book / Page	22272 / 266
Transfer Doc	0000005984
Record Updated	Oct 29, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Feb 29, 2024
Property Address	10655 HARDING RD, LAUREL, MD 20723-1231
Document Number	0222720266
Book / Page	22272 / 266
Map Reference	PL CMP 5942
Instrument Date	Feb 27, 2024
Transaction Type	Transfer
Record Updated	Mar 14, 2024
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	10655 HARDING RD, LAUREL, MD 20723-1231

Mortgage

Document Number	0022272274
Date	Feb 29, 2024
Instrument	22272/274

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

Source: Howard County assessment roll, as of September 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,330.00 (+2.96%)	$743,033 (+2.77%)	$783,100 (+8.31%) Land $310,700 Building $472,400
2025	$11,004.00 (+63.26%)	$723,000 (+12.96%) Land $260,700 Building $462,300	$723,000 (-) Land $260,700 Building $462,300
2023		$640,067	$723,000 Land $260,700 Building $462,300
2022	$6,740.00

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1996 · tidal / storm surge

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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