Howard County property record for 6285 Centre Stone Ring, Columbia, MD 21044
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,076 sqft · built 1978 |
| Lot Size | 0.106 acres (4,634 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $554,000 (May 2024) |
| Tax Bill | $6,610 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-051655 |
| Primary APN | 15-051655 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,076 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 4,634 sqft (0.106 acres) |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 051655 |
|---|---|
| Street Address | 6285 CENTRE STONE RING |
| City | COLUMBIA |
| State | MD |
| Zip | 21044-3796 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT N-7 S 1 AR 1 6285 CENTRE STONE RING VIL HICKORY RIDGE |
| Legal Subdivision | VILLAGE HIKCORY RIDGE |
| Legal Lot Number | N 7 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 605602 |
Source: Howard County records · APN 15-051655
Assessment roll updated August 4, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6285 CENTRE STONE RING, COLUMBIA, MD 21044-3796 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LOANSTEADY LLC |
| Jun 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 14, 2024 · Amount on Record |
| Deed Sale | May 14, 2024 · Amount on Record |
| Prior Sale | Mar 02, 1988 · Amount on Record |
| Deed Book / Page | 22349 / 482 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6285 CENTRE STONE RING, COLUMBIA, MD 21044-3796 |
| Transaction Type | Mortgage |
| Record Updated | Jan 07, 2026 |
| Title Company | LOGAN TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 6285 CENTRE STONE RING, COLUMBIA, MD 21044-3796 |
| Document Number | 0230490349 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 23049/349 |
| Name | LOANSTEADY LLC |
|---|---|
| Type | Mortgage Company |
| Address | MC LEAN, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6285 CENTRE STONE RING, COLUMBIA, MD 21044-3796 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2022 |
| Title Company | PRIORITY TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Address | 6285 CENTRE STONE RING, COLUMBIA, MD 21044-3796 |
| Document Number | 0215760486 |
|---|---|
| Date | Jun 15, 2022 |
| Book Page | 21576/486 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 01, 2037 |
Source: Howard County records · Assessment roll updated August 4, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Howard County |
| Unified School District | Howard County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $471,067 (+7.81%) | $505,200 (-) Land $255,000 Building $250,200 | |
| 2025 | $6,610.00 (+53.65%) Homeowner's exemption | $436,933 (+11.33%) | $505,200 (+25.42%) Land $255,000 Building $250,200 |
| 2023 | $392,467 | $402,800 Land $235,000 Building $167,800 | |
| 2022 | $4,302.00 |
Source: FEMA National Flood Hazard Layer, Howard County (24027C), updated October 31, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240276056024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2024 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 336 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile USA.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | HOWARD COUNTY D.P.W. DISTRIBUTION serves 286,158 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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