10178 Cape Ann Dr, Columbia, MD 21046 Property Records

Howard County property record for 10178 Cape Ann Dr, Columbia, MD 21046

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,240 sqft · built 1978
Lot Size	0.209 acres (9,105 sqft)
Owner	2 Trust Names on Record
Last Sale	$217,500 (Dec 1999)
Tax Bill	$8,312 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`16-139181`

Property Details

APN / Parcel Number

Primary APN	`16-139181`
Alternative APN	`139181`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,240 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,105 sqft (0.209 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	139181
Street Address	10178 CAPE ANN DR
City	COLUMBIA
State	MD
Zip	21046-1346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT263 P/O LOT 320 10178 CAPE ANN DR VIL KINGS CONTRIV
Legal Subdivision	VILLAGE KINGS CONTRIVANCE
Legal Lot Number	263,320
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	2
Census Block	2000
Census Tract	606701

Owner

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 Trust Names on Record
Mailing Address	10178 CAPE ANN DR, COLUMBIA, MD 21046-1346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 1999 · Amount on Record
Deed Sale	Dec 15, 1999 · Amount on Record
Deed Document Number	1999253
Deed Book / Page	4968 / 88
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10178 CAPE ANN DR, COLUMBIA, MD 21046-1346
Transaction Type	Mortgage
Record Updated	Aug 4, 2023
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10178 CAPE ANN DR, COLUMBIA, MD 21046-1346

Mortgage

Document Number	0220500201
Date	Jul 24, 2023
Book Page	22050/201

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$8,312.00 (+7.63%)	$541,400 (+7.78%) Land $233,400 Building $308,000	$541,400 (-) Land $233,400 Building $308,000
2025	$7,723.00 (+65.16%)	$502,333 (+18.42%)	$541,400 (+27.63%) Land $233,400 Building $308,000
2023		$424,200 Land $203,400 Building $220,800	$424,200 Land $203,400 Building $220,800
2022	$4,676.00

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

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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