10860 Beech Creek Dr, Columbia, MD 21044 Property Records

Howard County property record for 10860 Beech Creek Dr, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,699 sqft · built 1987
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Oct 2021)
Tax Bill	$8,776 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-400619`

Property Details

APN / Parcel Number

Primary APN	`05-400619`
Alternative APNs	`5400619` `400619`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,699 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 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	8,799 sqft (0.202 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	72 sqft
Deck Area	729 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	400619
Street Address	10860 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 38 .2021 A 10860 BEECH CREEK DR BEECH CREEK S 1 AR 2
Legal Subdivision	BEECH CREEK
Legal Lot Number	38
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	10860 BEECH CREEK DR, COLUMBIA, MD 21044-1024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP
Jul 27, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 29, 2019	Grant Deed, Transfer · VA Mortgage APEX HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2021 · Amount on Record
Deed Sale	Oct 21, 2021 · Amount on Record
Prior Sale	Apr 29, 2019 · Amount on Record
Deed Book / Page	21036 / 420
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Oct 21, 2021
Property Address	10860 BEECH CREEK DR, COLUMBIA, MD 21044-1024
Document Number	0210360420
Book / Page	21036 / 420
Map Reference	PL 6733
Instrument Date	Oct 13, 2021
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10860 BEECH CREEK DR, COLUMBIA, MD 21044-1024

Mortgage

Document Number	21036427
Date	Oct 21, 2021
Instrument	21036/427

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10860 BEECH CREEK DR, COLUMBIA, MD 21044-1024
Transaction Type	Mortgage
Record Updated	Aug 12, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10860 BEECH CREEK DR, COLUMBIA, MD 21044-1024

Mortgage

Document Number	0207490382
Date	Jul 27, 2021
Book Page	20749/382

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Apr 1, 2051

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Apr 29, 2019
Property Address	10860 BEECH CREEK DR, COLUMBIA, MD 21044-1024
Document Number	0186410202
Book / Page	018641 / 000202
Instrument Date	Apr 26, 2019
Transaction Type	Transfer
Record Updated	May 9, 2019
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
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	10860 BEECH CREEK DR COLUMBIA MD 210441024, COLUMBIA, MD 21044-1024

Mortgage

Document Number	186410209
Date	Apr 29, 2019
Book Page	018641/000209

Lender

Name	APEX HM LNS
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20850

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2049

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	$8,776.00 (+0.17%) Homeowner's exemption	$629,633 (+3%)	$666,300 (+9%) Land $272,000 Building $394,300
2025	$8,761.00 (+58.34%) Homeowner's exemption	$611,300 (+15.04%) Land $252,000 Building $359,300	$611,300 (-) Land $252,000 Building $359,300
2023		$531,367	$611,300 Land $252,000 Building $359,300
2022	$5,533.00

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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