10882 Harmel Dr, Columbia, MD 21044 Property Records

Howard County property record for 10882 Harmel Dr, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,174 sqft · built 1997
Lot Size	0.481 acres (20,942 sqft)
Owner	Individual Name on File
Tax Bill	$9,381 (2026)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-422817`

Property Details

APN / Parcel Number

Primary APN	`05-422817`
Alternative APNs	`5422817` `422817`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,174 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,942 sqft (0.481 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Deck Area	462 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	422817
Street Address	10882 HARMEL DR
City	COLUMBIA
State	MD
Zip	21044-3721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 1 20942 SQ 10882 HARMEL DR CLARYS DISCOVERY VILL
Legal Subdivision	CLARYS DISCOVERY 08
Legal Lot Number	1
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	2
Census Block	2003
Census Tract	605601

Owner

10882 Harmel Dr is owned and occupied by an individual who acquired it in August 2005.

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

Owner of Record	Individual Name on File
Mailing Address	10882 HARMEL DR, COLUMBIA, MD 21044-3721
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2005
Deed Sale	Aug 2, 2005
Prior Sale	Sep 4, 2001 · Amount on File
Deed Document Number	200560215
Deed Book / Page	9361 / 265
Transfer Doc	0093610265
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10882 HARMEL DR, COLUMBIA, MD 21044-3721
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10882 HARMEL DR, COLUMBIA, MD 21044-3721

Mortgage

Document Number	0214210141
Date	Mar 25, 2022
Book Page	21421/141

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	350 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 10882 Harmel Dr was $9,381 with a homeowner's exemption, up 3.3% 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	$9,381.00 (+3.28%) Homeowner's exemption	$614,933 (+7.39%)	$699,600 (+22.18%) Land $389,900 Building $309,700
2025	$9,083.00 (+3.71%) Homeowner's exemption	$572,600 Land $274,900 Building $297,700	$572,600 Land $274,900 Building $297,700
2024	$8,758.00
2023		$527,400	$572,600 Land $274,900 Building $297,700
2022	$5,684.00

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

Flood

FEMA maps place 10882 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	3 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 10882 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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