10924 Harmel Dr, Columbia, MD 21044 Property Records

Howard County property record for 10924 Harmel Dr, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,640 sqft · built 1989
Lot Size	0.472 acres (20,582 sqft)
Owner	2 Individual Names on File
Last Sale	$237,500 (Apr 1989)
Tax Bill	$7,103 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-086157`

Property Details

APN / Parcel Number

Primary APN	`15-086157`
Alternative APN	`086157`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,640 sqft Total Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,582 sqft (0.472 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	120 sqft
Deck Area	296 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	086157
Street Address	10924 HARMEL DR
City	COLUMBIA
State	MD
Zip	21044-3793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT 7 .4725 A 10924 HARMEL DR VIL HICK RIDGE S 4 AR 1
Legal Subdivision	VILLAGE HICKORY RIDGE SEC 04
Legal Lot Number	7
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	2
Census Block	2003
Census Tract	605601

Owner

10924 Harmel Dr is owned and occupied by two individuals who bought it in April 1989.

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

Owner of Record	2 Individual Names on File
Mailing Address	10924 HARMEL DR, COLUMBIA, MD 21044-3793
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	2 Names on Deed
Last Sale	Apr 18, 1989 · Amount on File
Deed Sale	Apr 18, 1989 · Amount on File
Deed Book / Page	1984 / 382
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10924 HARMEL DR, COLUMBIA, MD 21044-3793
Transaction Type	Mortgage
Record Updated	May 11, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10924 HARMEL DR, COLUMBIA, MD 21044-3793

Mortgage

Document Number	0214900056
Date	Apr 28, 2022
Book Page	21490/56

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Feb 22, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 10924 Harmel Dr was $7,103 with a homeowner's exemption, down 11.8% 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	$7,103.00 (-11.81%) Homeowner's exemption	$633,267 (+2.95%)	$651,400 (-) Land $294,700 Building $356,700
2025	$8,054.00 Homeowner's exemption	$615,133	$651,400 Land $294,700 Building $356,700
2023		$563,467	$597,000 Land $274,700 Building $322,300
2022	$5,967.00

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

Flood

FEMA maps place 10924 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 10924 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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