Howard County property record for 10870 Hammond Dr, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,833 sqft · built 2001 |
| Lot Size | 2.48 acres (108,029 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $69,900 (Apr 2001) |
| Tax Bill | $10,332 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 06-425186 |
| Primary APN | 06-425186 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,833 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 108,029 sqft (2.48 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 196 sqft |
| Deck Area | 210 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 425186 |
|---|---|
| Street Address | 10870 HAMMOND DR |
| City | LAUREL |
| State | MD |
| Zip | 20723-1046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | 2.484 A 10870 HAMMOND RD COLUMBIA |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 606808 |
10870 Hammond Dr is owner-occupied and held in a trust since April 2001.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 10870 HAMMOND DR, LAUREL, MD 20723-1046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
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 |
|---|---|
| Oct 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Jul 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage APL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2001 · Amount on File |
| Deed Sale | Apr 3, 2001 · Amount on File |
| Deed Document Number | 20012286 |
| Deed Book / Page | 5406 / 630 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10870 HAMMOND DR, LAUREL, MD 20723-1046 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0198570270 |
|---|---|
| Date | Oct 26, 2020 |
| Book Page | 19857/270 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10870 HAMMOND DR, LAUREL, MD 20723-1046 |
| Document Number | 0191060122 |
| Instrument Date | Dec 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10870 HAMMOND DR LAUREL MD 207231046, LAUREL, MD 20723-1046 |
| Document Number | 0191060122 |
|---|---|
| Date | Jan 3, 2020 |
| Book Page | 019106/000122 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 2, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10870 HAMMOND DR, LAUREL, MD 20723-1046 |
| Document Number | 0177310025 |
| Book / Page | 017731 / 000025 |
| Instrument Date | Jul 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2017 |
| Name | Verified Name |
|---|---|
| Address | 10870 HAMMOND DR LAUREL MD 207231046, LAUREL, MD 20723-1046 |
| Document Number | 0177310025 |
|---|---|
| Date | Aug 3, 2017 |
| Book Page | 017731/000025 |
| Name | APL FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20723-6099 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Aug 2, 2029 |
The 2026 property tax bill for 10870 Hammond Dr was $10,332 with a homeowner's exemption, down 0.4% 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 | $10,332.00 (-0.36%) Homeowner's exemption | $722,433 (+4.29%) | $781,900 (+12.88%) Land $434,500 Building $347,400 |
| 2025 | $10,369.00 Homeowner's exemption | $692,700 Land $358,900 Building $333,800 | $692,700 Land $358,900 Building $333,800 |
| 2023 | $603,767 | $692,700 Land $358,900 Building $333,800 | |
| 2022 | $6,297.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10870 Hammond Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 31, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 4 in force |
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 10870 Hammond Dr 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 94% of the US · lower than 89% 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: 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 315 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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