10812 Beech Creek Dr, Columbia, MD 21044 Property Records

Howard County property record for 10812 Beech Creek Dr, Columbia, MD 21044

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,320 sqft · built 1987
Lot Size	0.043 acres (1,873 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Sep 2023)
Tax Bill	$5,440 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Sep 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-399904`

Property Details

APN / Parcel Number

Primary APN	`05-399904`
Alternative APNs	`5399904` `399904`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,320 sqft Total Area
Basement Area	480 sqft
Finished Basement	480 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Townhouse
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	1,873 sqft (0.043 acres)
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	399904
Street Address	10812 BEECH CREEK DR
City	COLUMBIA
State	MD
Zip	21044-1023
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RSC
Legal Description	LOT 14 .0436 A 10812 BEECH CREEK DR BEECH CREEK S 1 AR 1
Legal Subdivision	BEECH CREEK
Legal Lot Number	14
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	3
Census Block	3000
Census Tract	605503

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10812 BEECH CREEK DR, COLUMBIA, MD 21044-1023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Sep 11, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMP CU/MD
Feb 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMP CU/MD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Jan 14, 1998 · Amount on Record
Deed Book / Page	22104 / 187
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Sep 6, 2023
Property Address	10812 BEECH CREEK DR, COLUMBIA, MD 21044-1023
Document Number	0221040187
Book / Page	22104 / 187
Map Reference	MB 6685
Instrument Date	Aug 31, 2023
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMTS & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10812 BEECH CREEK DR, COLUMBIA, MD 21044-1023

Mortgage

Document Number	0022104192
Date	Sep 6, 2023
Instrument	22104/192

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10812 BEECH CREEK DR, COLUMBIA, MD 21044-1023
Document Number	0178400457
Book / Page	017840 / 000457
Instrument Date	Sep 11, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017
Title Company	SECU TITLE SERVICES LLC, SECU TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10812 BEECH CREEK DR COLUMBIA MD 210441023, COLUMBIA, MD 21044-1023

Mortgage

Document Number	0178400457
Date	Oct 3, 2017
Book Page	017840/000457

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	LINTHICUM, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10812 BEECH CREEK DR, COLUMBIA, MD 21044-1023
Document Number	0174660377
Book / Page	017466 / 000377
Instrument Date	Feb 21, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10812 BEECH CREEK DR COLUMBIA MD 210441023, COLUMBIA, MD 21044-1023

Mortgage

Document Number	0174660377
Date	Mar 1, 2017
Book Page	017466/000377

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 28, 2027

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	$5,440.00 (+2.16%) Homeowner's exemption	$371,233 (+8.64%)	$430,300 (+25.93%) Land $220,000 Building $210,300
2025	$5,325.00 (+63.44%) Homeowner's exemption	$341,700 (+11.36%) Land $150,000 Building $191,700	$341,700 (-) Land $150,000 Building $191,700
2023		$306,833 (+6.02%)	$341,700 (+18.07%) Land $150,000 Building $191,700
2022	$3,258.00 Homeowner's exemption	$289,400 Land $130,000 Building $159,400	$289,400 Land $130,000 Building $159,400

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
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2024 · 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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