Howard County property record for 10798 Harding Rd, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,514 sqft · built 1974 |
| Lot Size | 0.793 acres (34,543 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,918 (2026) |
| Deeds & Mortgages | Aug 2021 Line of Credit Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-431062 |
| Primary APN | 06-431062 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,514 sqft Total Area |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 34,543 sqft (0.793 acres) |
| Garage Type | Detached |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 444 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 431062 |
|---|---|
| Street Address | 10798 HARDING RD |
| City | LAUREL |
| State | MD |
| Zip | 20723-1287 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | .793 ACRES 10798 HARDING RD LAUREL |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 10798 HARDING RD, LAUREL, MD 20723-1287 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 9, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jun 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Jul 18, 2017 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10798 HARDING RD, LAUREL, MD 20723-1287 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 10798 HARDING RD, LAUREL, MD 20723-1287 |
| Document Number | 0207840438 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 20784/438 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10798 HARDING RD, LAUREL, MD 20723-1287 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Title Company | INI TITLE LLC, INTITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0206210458 |
|---|---|
| Date | Jun 8, 2021 |
| Book Page | 20621/458 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10798 HARDING RD, LAUREL, MD 20723-1287 |
| Document Number | 0179750014 |
| Book / Page | 017975 / 000014 |
| Instrument Date | Jul 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10798 HARDING RD LAUREL MD 207231287, LAUREL, MD 20723-1287 |
| Document Number | 0179750014 |
|---|---|
| Date | Dec 19, 2017 |
| Book Page | 017975/000014 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| 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 | $7,918.00 (+2.56%) Homeowner's exemption | $529,367 (+3.15%) | $561,700 (+9.45%) Land $306,700 Building $255,000 |
| 2025 | $7,720.00 (+55.74%) Homeowner's exemption | $513,200 (+10.46%) Land $256,700 Building $256,500 | $513,200 (-) Land $256,700 Building $256,500 |
| 2023 | $464,600 | $513,200 Land $256,700 Building $256,500 | |
| 2022 | $4,957.00 |
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 133 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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