Howard County property record for 10962 Rumcay Ct, Columbia, MD 21044
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,409 sqft · built 1969 |
| Lot Size | 0.297 acres (12,919 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $570,000 (Oct 2025) |
| Tax Bill | $7,273 (2026) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Oct 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-007818 |
| Primary APN | 15-007818 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,409 sqft Total Area |
| Basement Area | 705 sqft |
| Finished Basement | 705 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 12,919 sqft (0.297 acres) |
| Deck Area | 248 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 007818 |
|---|---|
| Street Address | 10962 RUMCAY CT |
| City | COLUMBIA |
| State | MD |
| Zip | 21044-2722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 40 12,919 SQ' 10962 RUM CAY CT SWANSFIELD S4 A1 |
| Legal Subdivision | VILLAGE OF HARPERS CHOICE |
| Legal Lot Number | 40 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 605502 |
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 | 10962 RUMCAY CT, COLUMBIA, MD 21044-2722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 23, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Oct 8, 2025 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 7, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NASA FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2025 · Amount on Record |
| Deed Sale | Oct 8, 2025 · Amount on Record |
| Prior Sale | Jul 17, 2015 · Amount on Record |
| Deed Book / Page | 22949 / 35 |
| Prior Transfer Date | Jun 18, 2015 |
| Prior Transfer Doc | 0163330465 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10962 RUMCAY CT, COLUMBIA, MD 21044-2722 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0221560462 |
|---|---|
| Date | Oct 23, 2023 |
| Book Page | 22156/462 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2043 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Oct 8, 2025 |
| Property Address | 10962 RUMCAY CT, COLUMBIA, MD 21044-2722 |
| Document Number | 0229490035 |
| Book / Page | 22949 / 35 |
| Map Reference | PL 15 PG 53 |
| Instrument Date | Oct 1, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Title Company | ASSURE TITLE, ASSURANCE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10962 RUMCAY CT, COLUMBIA, MD 21044-2722 |
| Document Number | 0002294942 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 22949/42 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10962 RUMCAY CT, COLUMBIA, MD 21044-2722 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | CU TITLE INSURANCE AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0188120461 |
|---|---|
| Date | Aug 7, 2019 |
| Book Page | 18812/461 |
| Name | NASA FCU |
|---|---|
| Type | Bank |
| Address | BOWIE, MD 20716 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jul 30, 2039 |
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 | $7,273.00 (+5.39%) | $461,667 (+5.54%) | $485,900 (-) Land $290,600 Building $195,300 |
| 2025 | $6,901.00 (+5.33%) | $437,433 (+11.82%) | $485,900 (+17.59%) Land $290,600 Building $195,300 |
| 2024 | $6,552.00 (+57.61%) | ||
| 2023 | $391,200 | $413,200 Land $225,600 Building $187,600 | |
| 2022 | $4,157.00 |
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 | 9 in force |
| Nearby Flood Claims | 3 (2014–2018) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2018 · rainfall accumulation |
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 | Direct burnable vegetation |
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 390 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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