Howard County property record for 6194 Downs Ridge Ct, Elkridge, MD 21075
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,440 sqft · built 1999 |
| Lot Size | 0.248 acres (10,815 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $605,000 (May 2022) |
| Tax Bill | $9,629 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-278363 |
| Primary APN | 01-278363 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,440 sqft Total Area |
| Basement Area | 841 sqft |
| Finished Basement | 841 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,815 sqft (0.248 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 278363 |
|---|---|
| Street Address | 6194 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 8 10,815 SQ 6194 DOWNS RIDGE CT DOWNS RIDGE RSB LT 1 & A |
| Legal Subdivision | DOWNS RIDGE RESUB |
| Legal Lot Number | 1,8 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 1, ELKRIDGE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 601206 |
6194 Downs Ridge Ct is owned and occupied by two individuals who bought it in May 2022.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6194 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 |
|---|---|
| Feb 7, 2022 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| May 20, 2022 | Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC |
| Jan 29, 2020 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2022 · Amount on File |
| Deed Sale | May 20, 2022 · Amount on File |
| Prior Sale | Sep 30, 2005 · Amount on File |
| Deed Book / Page | 21533 / 137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6194 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 6194 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Document Number | 0213200127 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | 21320/127 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | May 20, 2022 |
| Property Address | 6194 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Document Number | 0215330137 |
| Book / Page | 21533 / 137 |
| Map Reference | PL MDR 12892 |
| Instrument Date | May 6, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2022 |
| Title Company | CARDINAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,587.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6194 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Document Number | 0021533144 |
|---|---|
| Date | May 20, 2022 |
| Instrument | 21533/144 |
| Name | GEORGE MASON MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6194 DOWNS RIDGE CT, ELKRIDGE, MD 21075-6550 |
| Document Number | 0195120001 |
| Instrument Date | Jan 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6194 DOWNS RIDGE CT ELKRIDGE MD 210756550, ELKRIDGE, MD 21075-6550 |
| Document Number | 0195120001 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | 019512/000001 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 6, 2050 |
The 2026 property tax bill for 6194 Downs Ridge Ct was $9,629, up 5.1% 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 | $9,629.00 (+5.06%) | $624,600 (+5.05%) Land $206,100 Building $418,500 | $624,600 (-) Land $206,100 Building $418,500 |
| 2025 | $9,165.00 | $594,600 | $624,600 Land $206,100 Building $418,500 |
| 2023 | $534,600 Land $251,100 Building $283,500 | $534,600 Land $251,100 Building $283,500 | |
| 2022 | $5,946.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6194 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 6194 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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