10863 Harmel Dr, Columbia, MD 21044 Property Records

Howard County property record for 10863 Harmel Dr, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,074 sqft · built 1998
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Trust Names on File
Last Sale	$264,900 (Nov 2000)
Tax Bill	$9,503 (2026)
Deeds & Mortgages	Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-426413`

Property Details

APN / Parcel Number

Primary APN	`05-426413`
Alternative APNs	`5426413` `426413`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,074 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Deck Area	164 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	426413
Street Address	10863 HARMEL DR
City	COLUMBIA
State	MD
Zip	21044-3720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 1 20,000 SQ 10863 HARMEL DR CEDAR ACRES OVERLOOK RSB
Legal Subdivision	CEDAR ACRES OVERLOOK RSB
Legal Lot Number	1
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	3
Census Block	3002
Census Tract	605601

Owner

10863 Harmel Dr is owner-occupied and held in a trust since November 2000.

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 File
Mailing Address	10863 HARMEL DR, COLUMBIA, MD 21044-3720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2000 · Amount on File
Deed Sale	Nov 17, 2000 · Amount on File
Prior Sale	Oct 9, 1997 · Amount on File
Deed Document Number	2000208880
Deed Book / Page	5262 / 195
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10863 HARMEL DR, COLUMBIA, MD 21044-3720
Document Number	0191530332
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10863 HARMEL DR COLUMBIA MD 210443720, COLUMBIA, MD 21044-3720

Mortgage

Document Number	0191530332
Date	Jan 29, 2020
Book Page	019153/000332

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 10863 Harmel Dr was $9,503 with a homeowner's exemption, up 2.5% from the year before.

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	$9,503.00 (+2.54%) Homeowner's exemption	$600,833 (+1.92%)	$623,500 (+5.77%) Land $294,500 Building $329,000
2025	$9,268.00 Homeowner's exemption	$589,500 Land $219,500 Building $370,000	$589,500 Land $219,500 Building $370,000
2023		$534,100	$589,500 Land $219,500 Building $370,000
2022	$5,702.00

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

Flood

FEMA maps place 10863 Harmel Dr in Zone X, an area of minimal flood risk.

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	5 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

Wildfire risk around 10863 Harmel Dr is low, with a 0.01% annual chance of 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	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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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