Howard County property record for 10122 Cape Ann Dr, Columbia, MD 21046
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,656 sqft · built 1977 |
| Lot Size | 0.145 acres (6,300 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $630,000 (Feb 2026) |
| Tax Bill | $7,994 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Feb 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-139297 |
| Primary APN | 16-139297 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,656 sqft Total Area |
| Basement Area | 872 sqft |
| Finished Basement | 872 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,300 sqft (0.145 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 139297 |
|---|---|
| Street Address | 10122 CAPE ANN DR |
| City | COLUMBIA |
| State | MD |
| Zip | 21046-1344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 272 6,300 SQ' 10122 CAPE ANN DR VIL KINGS CONTRIV S1 A1 |
| Legal Subdivision | VILLAGE OF KINGS CONTRIVANCE |
| Legal Lot Number | 272 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 606701 |
Source: Howard County records, as of September 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10122 CAPE ANN DR, COLUMBIA, MD 21046-1344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SEVERN SAVINGS BANK FSB |
| Feb 19, 2026 | Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP |
| Apr 24, 2024 | Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Dec 29, 2017 | Deed of Trust, Mortgage · Conventional with PMI NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2026 · Amount on Record |
| Deed Sale | Feb 19, 2026 · Amount on Record |
| Prior Sale | Apr 24, 2024 · Amount on Record |
| Deed Book / Page | 23119 / 250 |
| Transfer Doc | 0000006948 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10122 CAPE ANN DR, COLUMBIA, MD 21046-1344 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Title Company | RP SETTLEMENT GROUP LLC, R&P SETTLEMENT GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 10122 CAPE ANN DR, COLUMBIA, MD 21046-1344 |
| Document Number | 0208920086 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 20892/86 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 19, 2026 |
| Property Address | 10122 CAPE ANN DR, COLUMBIA, MD 21046-1344 |
| Document Number | 0231190250 |
| Book / Page | 23119 / 250 |
| Map Reference | PL 3578 |
| Instrument Date | Jan 16, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Title Company | MARYLAND FIRST TITLE LIMITED, MARYLAND FIRST TITLE LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10122 CAPE ANN DR, COLUMBIA, MD 21046-1344 |
| Document Number | 0002314416 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | 23144/16 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 24, 2024 |
| Property Address | 10122 CAPE ANN DR, COLUMBIA, MD 21046-1344 |
| Document Number | 0223250380 |
| Book / Page | 22325 / 380 |
| Map Reference | PL 3578 |
| Instrument Date | Apr 18, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2024 |
| Title Company | MARYLAND FIRST TITLE LIMITED, MARYLAND FIRST TITLE LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,025.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10122 CAPE ANN DR, COLUMBIA, MD 21046-1344 |
| Document Number | 0022325386 |
|---|---|
| Date | Apr 24, 2024 |
| Instrument | 22325/386 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10122 CAPE ANN DR, COLUMBIA, MD 21046-1344 |
| Document Number | 0179990236 |
| Book / Page | 017999 / 000236 |
| Instrument Date | Dec 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2018 |
| Title Company | NAVY FEDERAL TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 10122 CAPE ANN DR COLUMBIA MD 210461344, COLUMBIA, MD 21046-1344 |
| Document Number | 0179990236 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 017999/000236 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 8, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
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 | $7,994.00 (+7.76%) | $519,300 (+7.95%) Land $220,800 Building $298,500 | $519,300 (-) Land $220,800 Building $298,500 |
| 2025 | $7,418.00 (+65.62%) | $481,067 (+18.9%) | $519,300 (+28.35%) Land $220,800 Building $298,500 |
| 2023 | $404,600 Land $190,800 Building $213,800 | $404,600 Land $190,800 Building $213,800 | |
| 2022 | $4,479.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 7 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 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.
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 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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