10840 Beech Creek Dr, Columbia, MD 21044 Property Records

Howard County property record for 10840 Beech Creek Dr, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,420 sqft · built 1987
Lot Size	0.183 acres (7,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Feb 2017)
Tax Bill	$8,087 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-400678`

Property Details

APN / Parcel Number

Primary APN	`05-400678`
Alternative APNs	`5400678` `400678`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,420 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,971 sqft (0.183 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	488 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	400678
Street Address	10840 BEECH CREEK DR
City	COLUMBIA
State	MD
Zip	21044-1024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Legal Description	LOT 43 .1837 A 10840 BEECH CREEK DR BEECH CREEK S 1 AR 2
Legal Subdivision	BEECH CREEK
Legal Lot Number	43
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	10840 BEECH CREEK DR, COLUMBIA, MD 21044-1024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP
Dec 29, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
May 23, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMP CU/MD
Feb 1, 2017	Grant Deed, Transfer · Conventional with PMI FIRST MARINER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2017 · Amount on Record
Deed Sale	Feb 2, 2017 · Amount on Record
Prior Sale	May 11, 2007
Deed Document Number	2017419-189
Deed Book / Page	17419 / 189
Prior Transfer Date	May 22, 2012
Prior Transfer Doc	0140700128
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10840 BEECH CREEK DR, COLUMBIA, MD 21044-1024
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0208890179
Date	Sep 10, 2021
Book Page	20889/179

Lender

Name	SOFI LENDING CORP
Type	Lending Institution
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Aug 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10840 BEECH CREEK DR, COLUMBIA, MD 21044-1024
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200580260
Date	Dec 29, 2020
Book Page	20058/260

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	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10840 BEECH CREEK DR, COLUMBIA, MD 21044-1024
Document Number	0182090141
Instrument Date	May 23, 2018
Transaction Type	Mortgage
Record Updated	Jun 20, 2018
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10840 BEECH CREEK DR COLUMBIA MD 210441024, COLUMBIA, MD 21044-1024

Mortgage

Document Number	0182090141
Date	Jun 6, 2018
Book Page	018209/000141

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	Jun 5, 2048

Interest

Rate Type	Adjustable Rate

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Feb 1, 2017
Property Address	10840 BEECH CREEK DR, COLUMBIA, MD 21044-1024
Document Number	0174190189
Book / Page	017419 / 000189
Instrument Date	Jan 30, 2017
Transaction Type	Transfer
Record Updated	Feb 24, 2017
Title Company	CONTINENTAL TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10840 BEECH CREEK DR COLUMBIA MD 210441024, COLUMBIA, MD 21044-1024

Mortgage

Document Number	174190194
Date	Feb 1, 2017
Book Page	017419/000194

Lender

Name	FIRST MARINER BK
Type	Bank
Address	BALTIMORE, MD 21224

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2047

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	$8,087.00 (-0.19%) Homeowner's exemption	$581,333 (+2.98%)	$615,000 (+8.95%) Land $268,300 Building $346,700
2025	$8,102.00 (+4.96%) Homeowner's exemption	$564,500 (+15.34%) Land $248,300 Building $316,200	$564,500 (-) Land $248,300 Building $316,200
2024	$7,719.00 (+51.71%)
2023		$489,433	$564,500 Land $248,300 Building $316,200
2022	$5,088.00

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
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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