Howard County property record for 6190 Downs Ridge Ct, Elkridge, MD 21075
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,468 sqft · built 2000 |
| Lot Size | 0.25 acres (10,869 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,265 (2026) |
| Deeds & Mortgages | Jun 2023 Line of Credit Feb 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-278371 |
| Primary APN | 01-278371 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,468 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,869 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 426 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 278371 |
|---|---|
| Street Address | 6190 DOWNS RIDGE CT |
| City | ELKRIDGE |
| State | MD |
| Zip | 21075-6550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | LOT 9 10,869 SQ 6190 DOWNS RIDGE CT DOWNS RIDGE RSB LT 1 & A |
| Legal Subdivision | DOWNS RIDGE |
| Legal Lot Number | 1,9 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 1, ELKRIDGE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 601206 |
6190 Downs Ridge Ct is owned and occupied by two individuals who acquired it in February 2021.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6190 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| 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 |
|---|---|
| Jun 2, 2023 | Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC |
| Feb 17, 2021 | Intrafamily Transfer, Transfer · VA Mortgage PLANET HOME LENDING LLC |
| Feb 13, 2020 | Special Warranty Deed, Transfer · VA Mortgage HOWARD BANK |
| Jan 30, 2019 | Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY |
| Sep 24, 2018 | Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2021 |
| Deed Sale | Feb 17, 2021 |
| Prior Sale | Feb 13, 2020 · Amount on File |
| Deed Book / Page | 20232 / 248 |
| Prior Transfer Date | Jan 8, 2021 |
| Prior Transfer Doc | 0202320248 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6190 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2023 |
| Title Company | COUNSEL TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0219930490 |
|---|---|
| Date | Jun 2, 2023 |
| Book Page | 21993/490 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | WHEELING, WV 26003 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 17, 2021 |
| Property Address | 6190 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Document Number | 0202320248 |
| Book / Page | 20232 / 248 |
| Map Reference | MB 12892 |
| Instrument Date | Jan 8, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6190 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Document Number | 20232252 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 20232/252 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 363 Months |
| Due | May 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 13, 2020 |
| Property Address | 6190 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Document Number | 0191810303 |
| Book / Page | 19181 / 303 |
| Map Reference | MB 12892 |
| Instrument Date | Dec 17, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3630 PEACHTREE RD NE STE 1500, 3630, ATLANTA, GA 30326-1598 |
| Name | Verified Name |
|---|---|
| Address | 6190 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Document Number | 19181309 |
|---|---|
| Date | Feb 13, 2020 |
| Instrument | 19181/309 |
| Name | HOWARD BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jan 30, 2019 |
| Property Address | 6190 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Document Number | 0185350275 |
| Book / Page | 018535 / 000275 |
| Instrument Date | Jan 23, 2019 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500 |
| Investor | Possibly a Property Investor |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 24, 2018 |
| Property Address | 6190 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Document Number | 0183770393 |
| Book / Page | 018377 / 000393 |
| Instrument Date | Jul 3, 2018 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 6190 Downs Ridge Ct was $10,265 with a homeowner's exemption, up 2.2% 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 | $10,265.00 (+2.21%) Homeowner's exemption | $707,100 (+5.81%) Land $206,400 Building $500,700 | $707,100 (-) Land $206,400 Building $500,700 |
| 2025 | $10,043.00 (+4.81%) Homeowner's exemption | $668,267 | $707,100 Land $206,400 Building $500,700 |
| 2024 | $9,582.00 | ||
| 2023 | $590,600 Land $251,400 Building $339,200 | $590,600 Land $251,400 Building $339,200 | |
| 2022 | $6,650.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6190 Downs Ridge Ct 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 | 9 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 6190 Downs Ridge Ct 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 93% of the US · lower than 85% 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.
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 234 locations within half a mile, as of December 31, 2025
| Provider | Max 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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