Howard County property record for 10810 Harding Rd, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,808 sqft · built 2009 |
| Lot Size | 1.41 acres (61,420 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $50,000 (Apr 2005) |
| Tax Bill | $10,548 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-581137 |
| Primary APN | 06-581137 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,808 sqft Total Area |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 61,420 sqft (1.41 acres) |
| Garage Type | Basement |
| Garage Area | 767 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Deck Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 581137 |
|---|---|
| Street Address | 10810 HARDING RD |
| City | LAUREL |
| State | MD |
| Zip | 20723-1289 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 1 1.418 A 10810 HARDING RD |
| Legal Lot Number | 1 |
| 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 | 10810 HARDING RD, LAUREL, MD 20723-1289 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · Line of Credit SECU TITLE |
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2005 · Amount on Record |
| Deed Sale | Apr 29, 2005 · Amount on Record |
| Deed Document Number | 200559389 |
| Deed Book / Page | 9146 / 462 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jun 30, 2026 |
| Property Address | 10810 HARDING RD, LAUREL, MD 20723-1289 |
| Document Number | 2330000191 |
| Book / Page | 23305 / 191 |
| Instrument Date | Jun 20, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Title Company | SECU TITLE |
| Name | Verified Name |
|---|---|
| Address | 10810 HARDING RD, LAUREL, MD 20723-1289 |
| Document Number | 2330000191, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 23305/191 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10810 HARDING RD, LAUREL, MD 20723-1289 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | EAGLE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0200430143 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 20043/143 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2036 |
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 | $10,548.00 (-3.22%) Homeowner's exemption | $815,267 (+5.56%) | $901,200 (+16.69%) Land $284,100 Building $617,100 |
| 2025 | $10,899.00 (+5.04%) Homeowner's exemption | $772,300 (+16.21%) Land $239,100 Building $533,200 | $772,300 (-) Land $239,100 Building $533,200 |
| 2024 | $10,376.00 (+50.9%) | ||
| 2023 | $664,567 | $772,300 Land $239,100 Building $533,200 | |
| 2022 | $6,876.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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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