10948 Harmel Dr, Columbia, MD 21044 Property Records

Howard County property record for 10948 Harmel Dr, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,952 sqft · built 1988
Lot Size	0.309 acres (13,469 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Oct 2011)
Tax Bill	$8,763 (2026)
Deeds & Mortgages	Nov 2018 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-086386`

Property Details

APN / Parcel Number

Primary APN	`15-086386`
Alternative APN	`086386`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,952 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,469 sqft (0.309 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	156 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	086386
Street Address	10948 HARMEL DR
City	COLUMBIA
State	MD
Zip	21044-3784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT 27 .3092 A 10948 HARMEL DR VIL HICK RIEDGE S 4 AR 1
Legal Subdivision	VILLAGE OF HICKORY RIDGE
Legal Lot Number	27
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	3
Census Block	3002
Census Tract	605601

Owner

Source: Howard County records, as of September 4, 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 Record
Mailing Address	10948 HARMEL DR, COLUMBIA, MD 21044-3784
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2018	Deed of Trust, Mortgage FEDFINANCIAL FCU
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMONWEALTH MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2011 · Amount on Record
Deed Sale	Oct 11, 2011 · Amount on Record
Prior Sale	Oct 11, 2011 · Amount on Record
Deed Document Number	201113494/0176
Deed Book / Page	13494 / 176
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10948 HARMEL DR, COLUMBIA, MD 21044-3784
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	CONSTITUTION TITLE&ESCROW LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0184580081
Date	Nov 21, 2018
Book Page	18458/081

Lender

Name	FEDFINANCIAL FCU
Type	Credit Union
Address	SILVER SPRING, MD 20901

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Nov 15, 2025

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	10948 HARMEL DR, COLUMBIA, MD 21044-3784
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	MICHAELS T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10948 HARMEL DR, COLUMBIA, MD 21044-3784

Mortgage

Document Number	0202440437
Date	Feb 23, 2021
Book Page	20244/437

Lender

Name	FIRST COMMONWEALTH MORTGAGE CORP
Type	Mortgage Company
Address	LOUISVILLE, KY 40243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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	$8,763.00 (+3.25%)	$565,000 (+3.14%)	$582,200 (-) Land $291,200 Building $291,000
2025	$8,487.00 (+61.9%)	$547,800 (+9.98%)	$582,200 (+9.72%) Land $291,200 Building $291,000
2023		$498,100	$530,600 Land $271,200 Building $259,400
2022	$5,242.00

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

Flood

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

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.

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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