Howard County property record for 10963 Harmel Dr, Columbia, MD 21044
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,876 sqft · built 1988 |
| Lot Size | 0.334 acres (14,542 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $478,500 (Jul 2017) |
| Tax Bill | $8,574 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-086483 |
| Primary APN | 15-086483 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,876 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 | 14,542 sqft (0.334 acres) |
| Garage Type | Attached |
| Garage Area | 424 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 48 sqft |
| Deck Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 086483 |
|---|---|
| Street Address | 10963 HARMEL DR |
| City | COLUMBIA |
| State | MD |
| Zip | 21044-3785 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 37 .3338 A 10963 HARMEL DR VIL HICK RIDGE S 4 AR 1 |
| Legal Subdivision | VILLAGE HICKORY RDG SEC 04 |
| Legal Lot Number | 37 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 605601 |
10963 Harmel Dr is owned and occupied by two individuals who bought it in July 2017.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10963 HARMEL DR, COLUMBIA, MD 21044-3785 |
| 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.
| Date | Document |
|---|---|
| Mar 17, 2021 | Deed of Trust, Mortgage · VA Mortgage TOWNEBANK MORTGAGE |
| Jul 24, 2017 | Grant Deed, Transfer · VA Mortgage TOWNEBANK MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2017 · Amount on File |
| Deed Sale | Jul 24, 2017 · Amount on File |
| Prior Sale | Sep 14, 2012 · Amount on File |
| Deed Document Number | 2017707-251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 10963 HARMEL DR, COLUMBIA, MD 21044-3785 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 10963 HARMEL DR, COLUMBIA, MD 21044-3785 |
| Document Number | 0203320365 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 20332/365 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 24, 2017 |
| Property Address | 10963 HARMEL DR, COLUMBIA, MD 21044-3785 |
| Document Number | 0177070251 |
| Book / Page | 017707 / 000251 |
| Instrument Date | Jul 19, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2017 |
| Title Company | LAKESIDE TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $478.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10963 HARMEL DR COLUMBIA MD 210443785, COLUMBIA, MD 21044-3785 |
| Document Number | 177070257 |
|---|---|
| Date | Jul 24, 2017 |
| Book Page | 017707/000257 |
| Name | TOWNEBANK MTG |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 23, 2047 |
The 2026 property tax bill for 10963 Harmel Dr was $8,574 with a homeowner's exemption, up 4.6% from the year before.
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 | $8,574.00 (+4.6%) Homeowner's exemption | $551,900 (+3.12%) | $568,600 (-) Land $291,700 Building $276,900 |
| 2025 | $8,197.00 Homeowner's exemption | $535,200 | $568,600 Land $291,700 Building $276,900 |
| 2023 | $490,033 | $518,500 Land $271,700 Building $246,800 | |
| 2022 | $5,197.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10963 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 | 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 risk around 10963 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 | 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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