11391 Harding Rd, Laurel, MD 20723 Property Records

Howard County property record for 11391 Harding Rd, Laurel, MD 20723

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,286 sqft · built 1971
Lot Size	0.519 acres (22,607 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Dec 2002)
Tax Bill	$6,183 (2026)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-394884`

Property Details

APN / Parcel Number

Primary APN	`06-394884`
Alternative APNs	`6394884` `394884`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,286 sqft Total Area
Basement Area	350 sqft
Finished Basement	350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	22,607 sqft (0.519 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	394884
Street Address	11391 HARDING RD
City	LAUREL
State	MD
Zip	20723-2041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	.519 A 11391 HARDING RD SCAGGSVILLE
Legal Subdivision	SCAGGSVILLE
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1017
Census Tract	606805

Owner

11391 Harding Rd is owned and occupied by two individuals who bought it in December 2002.

Source: Howard County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11391 HARDING RD, LAUREL, MD 20723-2041
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2002 · Amount on File
Deed Sale	Dec 9, 2002 · Amount on File
Deed Document Number	200230440
Deed Book / Page	6665 / 505
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	11391 HARDING RD, LAUREL, MD 20723-2041
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11391 HARDING RD, LAUREL, MD 20723-2041

Mortgage

Document Number	0198990410
Date	Nov 9, 2020
Book Page	19899/410

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 11391 Harding Rd was $6,183 with a homeowner's exemption, down 2.4% from the year before.

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	$6,183.00 (-2.4%) Homeowner's exemption	$450,967 (+6.08%)	$502,700 (+18.25%) Land $300,800 Building $201,900
2025	$6,335.00 Homeowner's exemption	$425,100 Land $250,800 Building $174,300	$425,100 Land $250,800 Building $174,300
2023		$405,033	$425,100 Land $250,800 Building $174,300
2022	$4,447.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11391 Harding Rd in Zone X, an area of minimal flood risk.

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
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.

Wildfire

Wildfire risk around 11391 Harding Rd is low, with 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20