Howard County property record for 11054 Harding Rd, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,676 sqft · built 1964 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,512 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jul 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-396518 |
| Primary APN | 06-396518 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,676 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 20,000 sqft (0.459 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 238 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 396518 |
|---|---|
| Street Address | 11054 HARDING RD |
| City | LAUREL |
| State | MD |
| Zip | 20723-2034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 1 20,000 SQ 11054 HARDING RD CLARKS RIDGE |
| Legal Subdivision | CLARKS RIDGE |
| Legal Lot Number | 1 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 606805 |
Source: Howard County records, as of August 18, 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 | 11054 HARDING RD, LAUREL, MD 20723-2034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2023 | Deed of Trust, Mortgage · Line of Credit SANDY SPRING BANK |
| Jul 21, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 16, 2022 |
| Transfer Doc | 0216370230 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 11054 HARDING RD, LAUREL, MD 20723-2034 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2023 |
| Name | Verified Name |
|---|---|
| Address | 11054 HARDING RD, LAUREL, MD 20723-2034 |
| Document Number | 0221470170 |
|---|---|
| Date | Oct 13, 2023 |
| Book Page | 22147/170 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, MD 21046 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 21, 2022 |
| Property Address | 11054 HARDING RD, LAUREL, MD 20723-2034 |
| Document Number | 0216370230 |
| Book / Page | 21637 / 230 |
| Map Reference | PL 13551 |
| Instrument Date | Jun 16, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 11054 HARDING RD, LAUREL, MD 20723-2034 |
Source: Howard County assessment roll, as of August 4, 2025
| 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 | $489,400 (+6.02%) | $545,000 (+18.07%) Land $299,500 Building $245,500 | |
| 2025 | $7,512.00 (+6.95%) Homeowner's exemption | $461,600 (+5.2%) Land $249,500 Building $212,100 | $461,600 (-) Land $249,500 Building $212,100 |
| 2023 | $7,024.00 (+45.97%) | $438,800 | $461,600 Land $249,500 Building $212,100 |
| 2022 | $4,812.00 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 6 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.
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 | None beyond ember reach |
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 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
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