Howard County property record for 10881 Harmel Dr, Columbia, MD 21044
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,400 sqft · built 1970 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,254 (2026) |
| Deeds & Mortgages | Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-343801 |
| Primary APN | 05-343801 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,400 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 45,738 sqft (1.05 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 343801 |
|---|---|
| Street Address | 10881 HARMEL DR |
| City | COLUMBIA |
| State | MD |
| Zip | 21044-3720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | P/O LOT 7,8 BL C 10881 HARMEL DR CEDAR ACRES |
| Legal Block | C |
| Legal Lot Number | 7,8 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 605601 |
10881 Harmel Dr is owned and occupied by two individuals.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10881 HARMEL DR, COLUMBIA, MD 21044-3720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10881 HARMEL DR, COLUMBIA, MD 21044-3720 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0191700472 |
|---|---|
| Date | Feb 10, 2020 |
| Book Page | 19170/472 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 10881 Harmel Dr was $1,254 with a homeowner's exemption, up 1.2% from the year before.
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 | $1,254.00 (+1.21%) Homeowner's exemption | $495,000 (+4.17%) | $534,600 (+12.5%) Land $306,700 Building $227,900 |
| 2025 | $1,239.00 Homeowner's exemption | $475,200 Land $286,700 Building $188,500 | $475,200 Land $286,700 Building $188,500 |
| 2023 | $430,400 | $475,200 Land $286,700 Building $188,500 | |
| 2022 | $4,594.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10881 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 risk around 10881 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 | 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.
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 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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