Howard County property record for 10954 Shadow Ln, Columbia, MD 21044
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,148 sqft · built 1988 |
| Lot Size | 0.238 acres (10,350 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $245,000 (Aug 1996) |
| Tax Bill | $9,181 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-086777 |
| Primary APN | 15-086777 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,148 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,350 sqft (0.238 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Deck Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 086777 |
|---|---|
| Street Address | 10954 SHADOW LN |
| City | COLUMBIA |
| State | MD |
| Zip | 21044-3786 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 63 .2376 A 10954 SHADOW LN VIL HICK RIDGE S 4 AR 1 |
| Legal Subdivision | VILLAGE HICKORY RDG SEC 04 |
| Legal Lot Number | 63 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 605601 |
Source: Howard County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 10954 SHADOW LN, COLUMBIA, MD 21044-3786 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 1996 · Amount on Record |
| Deed Sale | Aug 26, 1996 · Amount on Record |
| Prior Sale | May 4, 1988 · Amount on Record |
| Deed Document Number | 19964817 |
| Deed Book / Page | 3798 / 504 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10954 SHADOW LN, COLUMBIA, MD 21044-3786 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2023 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 10954 SHADOW LN, COLUMBIA, MD 21044-3786 |
| Document Number | 0218520373 |
|---|---|
| Date | Jan 10, 2023 |
| Book Page | 21852/373 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 9, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Howard County assessment roll, as of August 4, 2025
| 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 | $627,667 (+3.14%) | $646,800 (-) Land $279,000 Building $367,800 | |
| 2025 | $9,181.00 (+54.67%) Homeowner's exemption | $608,533 (+9%) | $646,800 (+9.74%) Land $279,000 Building $367,800 |
| 2023 | $558,300 | $589,400 Land $259,000 Building $330,400 | |
| 2022 | $5,936.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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