Howard County property record for 4875 10 Oaks Rd, Dayton, MD 21036
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,904 sqft · built 1994 |
| Lot Size | 3.88 acres (169,013 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $620,000 (Nov 2010) |
| Tax Bill | $10,141 (2026) |
| Deeds & Mortgages | Oct 2022 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-411483 |
| Primary APN | 05-411483 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,904 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 169,013 sqft (3.88 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1,080 sqft |
| Porch | Slab |
| Porch Area | 628 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 411483 |
|---|---|
| Street Address | 4875 10 OAKS RD |
| City | DAYTON |
| State | MD |
| Zip | 21036-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RRDEO |
| Legal Description | LOT 2 3.880 A 4875 TEN OAKS RD ORNDORFF PROPERTY |
| Legal Subdivision | ORNDORFF PROPERTY |
| Legal Lot Number | 2 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 605104 |
4875 10 Oaks Rd is owner-occupied and held in a trust since November 2010.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4875 10 OAKS RD, DAYTON, MD 21036-1122 |
| 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 21, 2022 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Oct 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2010 · Amount on File |
| Deed Sale | Nov 9, 2010 · Amount on File |
| Prior Sale | Jun 23, 1998 · Amount on File |
| Deed Document Number | 201010779 |
| Deed Book / Page | 12825 / 362 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 4875 10 OAKS RD, DAYTON, MD 21036-1122 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0217680269 |
|---|---|
| Date | Oct 21, 2022 |
| Book Page | 21768/269 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | May 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 4875 10 OAKS RD, DAYTON, MD 21036-1122 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | CERTIFIED TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0198140401 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 19814/401 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Sep 1, 2040 |
The 2026 property tax bill for 4875 10 Oaks Rd was $10,141 with a homeowner's exemption, down 3% 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 | $10,141.00 (-3.04%) Homeowner's exemption | $816,567 (+2.11%) | $850,300 (+6.33%) Land $332,800 Building $517,500 |
| 2025 | $10,459.00 Homeowner's exemption | $799,700 Land $302,800 Building $496,900 | $799,700 Land $302,800 Building $496,900 |
| 2023 | $678,433 | $799,700 Land $302,800 Building $496,900 | |
| 2022 | $6,956.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4875 10 Oaks Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.
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 | 7 in force |
| Nearby Flood Claims | 2 (2012–2014) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2014 · rainfall accumulation |
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 4875 10 Oaks 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.
Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures