4686 Dower Dr, Ellicott City, MD 21043 Property Records

Howard County property record for 4686 Dower Dr, Ellicott City, MD 21043

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,200 sqft · built 1980
Lot Size	0.465 acres (20,255 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Sep 2021)
Tax Bill	$9,916 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-262665`

Property Details

APN / Parcel Number

Primary APN	`02-262665`
Alternative APNs	`2262665` `262665`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,200 sqft Total Area
Basement Area	810 sqft
Finished Basement	810 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,255 sqft (0.465 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	262665
Street Address	4686 DOWER DR
City	ELLICOTT CITY
State	MD
Zip	21043-6415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 26 .465 A 4686 DOWER DR MEADOWBROOK S1
Legal Subdivision	MEADOWBROOK
Legal Lot Number	26
Jurisdiction	HOWARD MD
Township / Civil Division	2, ELLICOTT CITY
Census Block Group	2
Census Block	2010
Census Tract	602302

Owner

4686 Dower Dr is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4686 DOWER DR, ELLICOTT CITY, MD 21043-6415
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2021 · Amount on File
Deed Sale	Sep 10, 2021 · Amount on File
Prior Sale	Oct 3, 2014 · Amount on File
Deed Book / Page	20885 / 498
Prior Transfer Date	Sep 25, 2014
Prior Transfer Doc	0158130447
Record Updated	Oct 29, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Sep 10, 2021
Property Address	4686 DOWER DR, ELLICOTT CITY, MD 21043-6415
Document Number	0208850498
Book / Page	20885 / 498
Map Reference	PL CMP 3783
Instrument Date	Aug 12, 2021
Transaction Type	Transfer
Record Updated	Sep 23, 2021
Title Company	HERITAGE TITLE LIMITED, HERITAGE TITLE LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4686 DOWER DR, ELLICOTT CITY, MD 21043-6415
Investor	Possibly a Property Investor

Mortgage

Document Number	20885505
Date	Sep 10, 2021
Instrument	20885/505

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 4686 Dower Dr was $9,916, up 7.9% 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	$9,916.00 (+7.89%)	$645,000 (+8.07%) Land $219,600 Building $425,400	$645,000 (-) Land $219,600 Building $425,400
2025	$9,191.00 (+8.14%)	$596,833	$645,000 Land $219,600 Building $425,400
2024	$8,499.00
2023		$500,500 Land $214,600 Building $285,900	$500,500 Land $214,600 Building $285,900
2022	$5,522.00

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

Flood

FEMA maps place 4686 Dower Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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	2 (2015–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2018 · Severe Storm And Flooding

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 4686 Dower Dr is low, with less than 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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 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.

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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20