6442 Summer Cloud Way, Columbia, MD 21045 Property Records

Howard County property record for 6442 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	2,134 sqft Total Area
Lot Size	10,018 sqft (0.23 acres)
Garage	Attached, 440 sqft
Occupancy	Owner Occupied
Last Sale	$525,000 (2017)
Tax Bill	$8,499.00 (2025)

Owner

Source: Howard County records · APN 16-189057

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	6442 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5621
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jul 03, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
Jan 09, 2017	Grant Deed, Transfer · Conventional Mortgage EVERBANK
Jan 09, 2017	Grant Deed, Transfer CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 09, 2017 · Amount on Record
Deed Sale	Jan 09, 2017 · Amount on Record
Prior Sale	Jan 09, 2017 · Amount on Record
Deed Doc Number	2017373-322
Deed Book / Page	17373 / 322
Transfer Doc	0062160110
Record Refreshed	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6442 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5621
Document Number	0195270294
Instrument Date	Jul 03, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	6442 SUMMER CLOUD WAY COLUMBIA MD 210455621, COLUMBIA, MD 21045-5621

Mortgage

Document Number	0195270294
Date	Jul 14, 2020
Book Page	019527/000294

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2050

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Jan 09, 2017
Property Address	6442 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5621
Document Number	0173730322
Book / Page	017373 / 000322
Instrument Date	Dec 09, 2016
Transaction Type	Transfer
Record Updated	Feb 06, 2017
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	6442 SUMMER CLOUD WAY COLUMBIA MD 210455621, COLUMBIA, MD 21045-5621

Mortgage

Document Number	173730329
Date	Jan 09, 2017
Book Page	017373/000329

Lender

Name	EVERBANK
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 08, 2047

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Jan 09, 2017
Property Address	6442 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5621
Document Number	0173730316
Book / Page	017373 / 000316
Instrument Date	Dec 09, 2016
Transaction Type	Transfer
Record Updated	Feb 03, 2017
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS

Transaction

Amount	Amount Recorded
Tax	$525.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6442 SUMMER CLOUD WAY COLUMBIA MD 210455621, COLUMBIA, MD 21045-5621

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		$630,700 (+7.4%) Land $237,500 Building $393,200	$630,700 (-) Land $237,500 Building $393,200
2025	$8,499.00 (+5.07%) Homeowner's exemption	$587,233 (+17.38%)	$630,700 (+26.06%) Land $237,500 Building $393,200
2024	$8,089.00 (+49.41%)
2023		$500,300 Land $182,500 Building $317,800	$500,300 Land $182,500 Building $317,800
2022	$5,414.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Howard County (24027C), updated October 31, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Low above 5% of the US · above 11% of Maryland
Wildfire Likelihood	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.

Property Details

APN / Parcel Number

Primary APN	`16-189057`
Alternative APN	`189057`

Interior

Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,134 sqft Total Area
Basement Area	800 sqft Basement
Finished Basement	800 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	10,018 sqft (0.23 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	440 sqft Garage
Deck Area	180 sqft Deck
Porch Area	274 sqft Porch

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	189057
Street Address	6442 SUMMER CLOUD WAY
City	COLUMBIA
State	MD
Zip	21045-5621
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 171 .230 A 6442 SUMMER CLOUD WAY VIL LONGREACH S 2 A 2
Legal Subdivision	COLUMBIA AREA 2
Legal Lot Number	171
Jurisdiction	HOWARD MD
Minor Civil Division	6, SAVAGE
Census Blockgroup	1
Census Block	1001
Census Tract	606706

6442 Summer Cloud Way, Columbia, MD 21045 Property Records

Property Highlights

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Nearby Properties on Summer Cloud Way

Nearby Streets

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