10941 Hilltop Ln, Columbia, MD 21044 Property Records

Howard County property record for 10941 Hilltop Ln, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,016 sqft · built 1988
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Jun 2018)
Tax Bill	$8,668 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-403944`

Property Details

APN / Parcel Number

Primary APN	`05-403944`
Alternative APNs	`5403944` `403944`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,016 sqft Total Area
Basement Area	660 sqft
Finished Basement	660 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,407 sqft (0.193 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft
Deck Area	137 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	403944
Street Address	10941 HILLTOP LN
City	COLUMBIA
State	MD
Zip	21044-3782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Legal Description	LOT 205 .193 A 10941 HILLTOP LN CEDAR ACRES S 4
Legal Subdivision	CEDAR ACRES
Legal Lot Number	205
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	2
Census Block	2003
Census Tract	605601

Owner

10941 Hilltop Ln is owned and occupied by two individuals who bought it in June 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	10941 HILLTOP LN, COLUMBIA, MD 21044-3782
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jul 22, 2019	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
Jun 27, 2018	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2018 · Amount on File
Deed Sale	Jun 27, 2018 · Amount on File
Prior Sale	Apr 1, 2014 · Amount on File
Deed Book / Page	18248 / 270
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10941 HILLTOP LN, COLUMBIA, MD 21044-3782
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0214260124
Date	Mar 29, 2022
Book Page	21426/124

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Oct 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10941 HILLTOP LN, COLUMBIA, MD 21044-3782
Document Number	0187950328
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10941 HILLTOP LN COLUMBIA MD 210443782, COLUMBIA, MD 21044-3782

Mortgage

Document Number	0187950328
Date	Jul 31, 2019
Book Page	018795/000328

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2049

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Jun 27, 2018
Property Address	10941 HILLTOP LN, COLUMBIA, MD 21044-3782
Document Number	0182480270
Book / Page	18248 / 270
Map Reference	SH1
Instrument Date	Jun 8, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ENDEAVOR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10941 HILLTOP LN, COLUMBIA, MD 21044-3782

Mortgage

Document Number	0018248275
Date	Jun 27, 2018
Instrument	18248/275

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 10941 Hilltop Ln was $8,668 with a homeowner's exemption, up 3.8% 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	$8,668.00 (+3.85%) Homeowner's exemption	$578,433 (+3.92%)	$622,100 (+11.77%) Land $270,300 Building $351,800
2025	$8,347.00 Homeowner's exemption	$556,600 Land $250,300 Building $306,300	$556,600 Land $250,300 Building $306,300
2023		$498,867	$556,600 Land $250,300 Building $306,300
2022	$5,292.00

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

Flood

FEMA maps place 10941 Hilltop 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	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 10941 Hilltop 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.

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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