Howard County property record for 10181 Cape Ann Dr, Columbia, MD 21046
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,792 sqft · built 1978 |
| Lot Size | 0.116 acres (5,054 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $585,000 (Jul 2026) |
| Tax Bill | $6,192 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-139149 |
| Primary APN | 16-139149 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,792 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,054 sqft (0.116 acres) |
| Garage Type | Attached |
| Garage Area | 242 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 139149 |
|---|---|
| Street Address | 10181 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 | LOT 259 5,054 SQ' 10181 CAPE ANN DR VIL KINGS CONTRIV S1 A1 |
| Legal Subdivision | VILLAGE KINGS CONTRIVANCE |
| Legal Lot Number | 259 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2001 |
| 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 | 10181 CAPE ANN DR, COLUMBIA, MD 21046-1346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 1, 2026 | Deed, Transfer · Conventional Mortgage CARDINAL TITLE GROUP |
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Aug 21, 2017 | Deed of Trust, Mortgage · Line of Credit APL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2026 · Amount on Record |
| Deed Sale | Jul 1, 2026 · Amount on Record |
| Prior Sale | Apr 6, 1995 · Amount on Record |
| Deed Book / Page | 23306 / 8 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 1, 2026 |
| Property Address | 10181 CAPE ANN DR, COLUMBIA, MD 21046-1346 |
| Document Number | 2330000008 |
| Book / Page | 23306 / 8 |
| Instrument Date | Jun 11, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2026 |
| Title Company | CARDINAL TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $590,850.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10181 CAPE ANN DR, COLUMBIA, MD 21046-1346 |
| Document Number | 2330000018, |
|---|---|
| Date | Jul 1, 2026 |
| Book Page | 23306/18 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10181 CAPE ANN DR, COLUMBIA, MD 21046-1346 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Title Company | IDEAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 10181 CAPE ANN DR, COLUMBIA, MD 21046-1346 |
| Document Number | 0213050001 |
|---|---|
| Date | Jan 31, 2022 |
| Book Page | 21305/1 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10181 CAPE ANN DR, COLUMBIA, MD 21046-1346 |
| Document Number | 0178060002 |
| Book / Page | 017806 / 000002 |
| Instrument Date | Aug 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2017 |
| Name | Verified Name |
|---|---|
| Address | 10181 CAPE ANN DR COLUMBIA MD 210461346, COLUMBIA, MD 21046-1346 |
| Document Number | 0178060002 |
|---|---|
| Date | Sep 13, 2017 |
| Book Page | 017806/000002 |
| Name | APL FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20723 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 12, 2057 |
| Rate Type | Adjustable Rate |
|---|
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 | $6,192.00 (+11.37%) Homeowner's exemption | $471,100 (+7.81%) Land $215,200 Building $255,900 | $471,100 (-) Land $215,200 Building $255,900 |
| 2025 | $5,560.00 (+5.02%) Homeowner's exemption | $436,967 (+18.52%) | $471,100 (+27.77%) Land $215,200 Building $255,900 |
| 2024 | $5,294.00 (+30.52%) | ||
| 2023 | $368,700 Land $185,200 Building $183,500 | $368,700 Land $185,200 Building $183,500 | |
| 2022 | $4,056.00 |
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 94% of the US · lower than 89% 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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