10909 Shadow Ln, Columbia, MD 21044 Property Records

Howard County property record for 10909 Shadow Ln, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,501 sqft · built 1988
Lot Size	0.464 acres (20,215 sqft)
Owner	2 Individual Names on File
Last Sale	$241,900 (Aug 1988)
Tax Bill	$9,997 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-087102`

Property Details

APN / Parcel Number

Primary APN	`15-087102`
Alternative APN	`087102`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,501 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,215 sqft (0.464 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	087102
Street Address	10909 SHADOW LN
City	COLUMBIA
State	MD
Zip	21044-3767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT 93 .4641 A 10909 SHADOW LN VIL HICK RIDGE S 4 AR 1
Legal Subdivision	COLUMBIA VILLAGE OF HICKORY RIDGE
Legal Lot Number	93
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	3
Census Block	3002
Census Tract	605601

Owner

Source: Howard County records · APN 15-087102

Assessment roll updated August 4, 2025 · Last verified August 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 File
Mailing Address	10909 SHADOW LN, COLUMBIA, MD 21044-3767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 05, 1988 · Amount on Record
Deed Sale	Aug 05, 1988 · Amount on Record
Prior Sale	Apr 15, 1988 · Amount on Record
Deed Book / Page	1864 / 428
Last Transfer Date	Feb 27, 2015
Transfer Doc	0160820024
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10909 SHADOW LN, COLUMBIA, MD 21044-3767
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0211830082
Date	Dec 10, 2021
Book Page	21183/82

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 01, 2041

Tax Assessment & Valuation

Source: Howard County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Howard County
Unified School District	Howard County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$688,033 (+3.19%)	$709,300 (-) Land $294,600 Building $414,700
2025	$9,997.00 (+4.46%) Homeowner's exemption	$666,767 (+9.52%)	$709,300 (+9.88%) Land $294,600 Building $414,700
2024	$9,570.00 (+48.58%)
2023		$608,800	$645,500 Land $274,600 Building $370,900
2022	$6,441.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 31, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: AT&T.

Based on FCC filings for 391 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HOWARD COUNTY D.P.W. DISTRIBUTION serves 286,158 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.