6427 Summer Cloud Way, Columbia, MD 21045 Property Records

Howard County property record for 6427 Summer Cloud Way, Columbia, MD 21045 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	3.5 Baths
Year Built	Built 1989
Square Footage	2,616 sqft Total Area
Lot Size	10,847 sqft (0.249 acres)
Garage	Attached, 440 sqft
Occupancy	Owner Occupied
Last Sale	$550,000 (2008)
Tax Bill	$8,787.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`16-189030`
Alternative APN	`189030`

Interior

Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,616 sqft Total Area
Basement Area	500 sqft Basement
Finished Basement	500 sqft Finished
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame Construction
Roof Material	Composition Shingle Roof
Lot Area	10,847 sqft (0.249 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	440 sqft Garage
Deck Area	320 sqft Deck

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	189030
Street Address	6427 SUMMER CLOUD WAY
City	COLUMBIA
State	MD
Zip	21045-5621
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 169 .249 A 6427 SUMMER CLOUD WAY VIL LONGREACH S 2 A 2
Legal Subdivision	VILLAGE LONGREACH SEC 02
Legal Lot Number	169
Jurisdiction	HOWARD MD
Minor Civil Division	6, SAVAGE
Census Blockgroup	1
Census Block	1002
Census Tract	606706

Owner

Source: Howard County records · APN 16-189030

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 Trust Names on File
Mailing Address	6427 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5621
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Owner is a Trust, Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 06, 2008 · Amount on Record
Deed Sale	Aug 06, 2008 · Amount on Record
Prior Sale	Jun 25, 2001 · Amount on Record
Deed Doc Number	200887452
Deed Book / Page	11317 / 183
Record Refreshed	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6427 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5621
Document Number	0175180482
Book / Page	017518 / 000482
Instrument Date	Mar 23, 2017
Transaction Type	Mortgage
Record Updated	Apr 13, 2017
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	6427 SUMMER CLOUD WAY COLUMBIA MD 210455621, COLUMBIA, MD 21045-5621

Mortgage

Document Number	0175180482
Date	Apr 03, 2017
Book Page	017518/000482

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 02, 2047

Tax Assessment & Valuation

Source: Howard County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Howard County
Unified School District	Howard County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$660,000 (+7.74%) Land $241,300 Building $418,700	$660,000 (-) Land $241,300 Building $418,700
2025	$8,787.00 (+50.88%) Homeowner's exemption	$612,567 (+18.32%)	$660,000 (+27.49%) Land $241,300 Building $418,700
2023		$517,700 Land $186,300 Building $331,400	$517,700 Land $186,300 Building $331,400
2022	$5,824.00

Flood & Wildfire

6427 Summer Cloud Way is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Howard County (24027C), updated October 31, 2023

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 5th percentile of exposed land nationally · 11th in Maryland
Wildfire Likelihood	Low — less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.