10844 Harding Rd, Laurel, MD 20723 Property Records

Howard County property record for 10844 Harding Rd, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,270 sqft · built 2019
Lot Size	0.83 acres (36,154 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jun 2017)
Tax Bill	$11,976 (2026)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-404529`

Property Details

APN / Parcel Number

Primary APN	`06-404529`
Alternative APNs	`6404529` `404529`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	3,270 sqft Total Area
Basement Area	850 sqft
Finished Basement	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	36,154 sqft (0.83 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	404529
Street Address	10844 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 BL C S 1 10844 HARDING RD PINE VALLEY
Legal Subdivision	PINE VALLEY
Legal Block	C
Legal Lot Number	1
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	2
Census Block	2001
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	2 Individual Names on Record
Mailing Address	10844 HARDING RD, LAUREL, MD 20723-1289
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2017 · Amount on Record
Deed Sale	Jun 23, 2017 · Amount on Record
Deed Document Number	2017661-001
Deed Book / Page	17661 / 1
Record Updated	Oct 29, 2026

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Jun 23, 2017
Property Address	10844 HARDING RD, LAUREL, MD 20723-1289
Document Number	0176610001
Book / Page	17661 / 001
Map Reference	MB9 PL NO32
Instrument Date	May 31, 2017
Instrument	17661-001
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6450 BIRDHOUSE CIR, COLUMBIA, MD 21046

Mortgage

Document Number	0017661006
Date	Jun 23, 2017
Instrument	17661-006

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	8.75%

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	$11,976.00 (+6.76%)	$787,833 (+6.77%)	$887,700 (+20.3%) Land $307,500 Building $580,200
2025	$11,218.00 (+47.28%)	$737,900 (+5.87%) Land $257,500 Building $480,400	$737,900 (-) Land $257,500 Building $480,400
2023		$696,967	$737,900 Land $257,500 Building $480,400
2022	$7,617.00

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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% 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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harding Rd

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