Howard County property record for 10922 Shadow Ln, Columbia, MD 21044
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,678 sqft · built 1988 |
| Lot Size | 0.304 acres (13,229 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $807,000 (Aug 2023) |
| Tax Bill | $10,419 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-086688 |
| Primary APN | 15-086688 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,678 sqft Total Area |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 13,229 sqft (0.304 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 12 sqft |
| Deck Area | 314 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 086688 |
|---|---|
| Street Address | 10922 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 55 .3037 A 10922 SHADOW LN VIL HICK RIDGE S 4 AR 1 |
| Legal Subdivision | VILLAGE HICKORY RDG SEC 4 |
| Legal Lot Number | 55 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 605601 |
10922 Shadow Ln is owned and occupied by two individuals who bought it in August 2023.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10922 SHADOW LN, COLUMBIA, MD 21044-3767 |
| 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.
| Date | Document |
|---|---|
| Jan 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE |
| Aug 31, 2023 | Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2023 · Amount on File |
| Deed Sale | Aug 31, 2023 · Amount on File |
| Prior Sale | Jul 30, 1998 · Amount on File |
| Deed Book / Page | 22099 / 36 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10922 SHADOW LN, COLUMBIA, MD 21044-3767 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Title Company | AM TITLE, ACM TITLE |
| Name | Verified Name |
|---|---|
| Address | 10922 SHADOW LN, COLUMBIA, MD 21044-3767 |
| Document Number | 0230880319 |
|---|---|
| Date | Jan 29, 2026 |
| Book Page | 23088/319 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Aug 31, 2023 |
| Property Address | 10922 SHADOW LN, COLUMBIA, MD 21044-3767 |
| Document Number | 0220990036 |
| Book / Page | 22099 / 36 |
| Map Reference | PL 7066-7068 |
| Instrument Date | Aug 28, 2023 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Title Company | CHAMPION TITLE AGENCY, CHAMPION TITLE & STLMTS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,035.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10922 SHADOW LN, COLUMBIA, MD 21044-3767 |
| Document Number | 0002209944 |
|---|---|
| Date | Aug 31, 2023 |
| Instrument | 22099/44 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
The 2026 property tax bill for 10922 Shadow Ln was $10,419 with a homeowner's exemption, up 3.4% 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 | $10,419.00 (+3.36%) Homeowner's exemption | $704,967 (+5.91%) | $744,300 (-) Land $291,100 Building $453,200 |
| 2025 | $10,080.00 Homeowner's exemption | $665,633 | $744,300 Land $291,100 Building $453,200 |
| 2023 | $590,467 (+6.46%) | $626,300 (-) Land $271,100 Building $355,200 | |
| 2022 | $6,245.00 Homeowner's exemption | $554,633 | $626,300 Land $271,100 Building $355,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10922 Shadow Ln 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 10922 Shadow Ln 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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