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6174 Downs Ridge Ct, Elkridge, MD 21075 Property Records

Howard County property record for 6174 Downs Ridge Ct, Elkridge, MD 21075

Property Summary

Property TypeSingle Family Home
Details3 ba · 1,398 sqft · built 2000
Lot Size0.251 acres (10,928 sqft)
Owner2 Individual Names on Record
Last Sale$412,000 (Aug 2019)
Tax Bill$7,918 (2026)
Deeds & MortgagesMay 2021 Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN01-278428

Property Details

APN / Parcel Number

Primary APN01-278428
Alternative APNs
  • 1278428
  • 278428

Interior

Full Baths3 Baths
Stories1 Story
Building Area1,398 sqft Total Area
Basement Area1,050 sqft
Finished Basement1,050 sqft

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area10,928 sqft (0.251 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Account Number278428
Street Address6174 DOWNS RIDGE CT
CityELKRIDGE
StateMD
Zip21075-6550
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR12
Legal DescriptionLOT 25 10,928 SQ 6174 DOWNS RIDGE CT DOWNS RIDGE RS LT 13& 14
Legal SubdivisionDOWNS RIDGE
Legal Lot Number13,14
JurisdictionHOWARD MD
Township / Civil Division1, ELKRIDGE
Census Block Group2
Census Block2003
Census Tract601206

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 Record2 Individual Names on Record
Mailing Address6174 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 19, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Aug 27, 2019Deed, Transfer · VA Mortgage
BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 27, 2019 · Amount on Record
Deed SaleAug 27, 2019 · Amount on Record
Prior SaleAug 29, 2014 · Amount on Record
Deed Book / Page18850 / 439
Record UpdatedOct 29, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHOWARD MD
Property Address6174 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550
Transaction TypeMortgage
Record UpdatedJun 9, 2021
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0205740099
DateMay 19, 2021
Book Page20574/99
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term341 Months
DueOct 1, 2049

August 2019: Deed, Transfer

Document TypeDeed
JurisdictionHOWARD MD
Recording DateAug 27, 2019
Property Address6174 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550
Document Number0188500439
Book / Page18850 / 439
Map ReferenceMB MDR 12968
Instrument DateAug 26, 2019
Transaction TypeTransfer
Record UpdatedAug 16, 2021
Title CompanyTHE TITLE COMPANY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$6,180.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6174 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550

Mortgage

Document Number18850444
DateAug 27, 2019
Instrument18850/444
Lender
NameBAY CAPITAL MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2049

Tax Assessment & Valuation

Source: Howard County assessment roll, as of September 4, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyHoward County
Unified School DistrictHoward County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$7,918.00 (+4.43%) Homeowner's exemption$493,000 (+4.58%) Land $206,600 Building $286,400$493,000 (-) Land $206,600 Building $286,400
2025$7,582.00 (+59.62%) Homeowner's exemption$471,400 (+10.09%)$493,000 (+15.13%) Land $206,600 Building $286,400
2023$428,200 Land $251,600 Building $176,600$428,200 Land $251,600 Building $176,600
2022$4,750.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies9 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 RiskLow
lower than 93% of the US · lower than 85% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemHOWARD COUNTY D.P.W. DISTRIBUTION
serves 286,158 people · EPA ID MD0130002
Water SourcePurchased surface water from several systems
Last State InspectionJan 2024
Lead3 ppb (2018–2020)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 234 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber · Fixed Wireless in parts of the area		2,300 / 2,300
Xfinity
Cable		2,000 / 250
Believe Broadband
Fixed Wireless		500 / 100
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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