6478 Summer Cloud Way, Columbia, MD 21045 Property Records

Howard County property record for 6478 Summer Cloud Way, Columbia, MD 21045

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,268 sqft · built 1989
Lot Size	0.289 acres (12,588 sqft)
Owner	2 Trust Names on File
Last Sale	$490,000 (Feb 2019)
Tax Bill	$9,732 (2026)
Deeds & Mortgages	Jun 2019 Transfer Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-190144`

Property Details

APN / Parcel Number

Primary APN	`16-190144`
Alternative APN	`190144`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,268 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,588 sqft (0.289 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	188 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	190144
Street Address	6478 SUMMER CLOUD WAY
City	COLUMBIA
State	MD
Zip	21045-2892
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT 44 .289 A 6478 SUMMER CLOUD WAY VIL LONGREACH S 4
Legal Subdivision	COLUMBIA VILLAGE
Legal Lot Number	44
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	2
Census Block	2000
Census Tract	606706

Owner

6478 Summer Cloud Way is owner-occupied and held in a trust since February 2019.

Source: Howard County records, as of September 4, 2026

Owner of Record	2 Trust Names on File
Mailing Address	6478 SUMMER CLOUD WAY, COLUMBIA, MD 21045-2892
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 4, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Feb 4, 2019	Grant Deed, Transfer BRENNAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2019 · Amount on File
Deed Sale	Feb 4, 2019 · Amount on File
Prior Sale	Feb 4, 2019 · Amount on File
Deed Book / Page	18540 / 495
Prior Transfer Date	Jun 26, 2014
Prior Transfer Doc	0156670090
Record Updated	Oct 29, 2026

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOWARD MD
Recording Date	Jun 28, 2019
Property Address	6478 SUMMER CLOUD WAY, COLUMBIA, MD 21045-2892
Document Number	0187480247
Book / Page	018748 / 000247
Instrument Date	Jun 24, 2019
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6478 SUMMER CLOUD WAY COLUMBIA MD 210452892, COLUMBIA, MD 21045-2892

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Feb 4, 2019
Property Address	6478 SUMMER CLOUD WAY, COLUMBIA, MD 21045-2892
Document Number	0185400495
Book / Page	018540 / 000495
Instrument Date	Jan 31, 2019
Transaction Type	Transfer
Record Updated	Feb 18, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6478 SUMMER CLOUD WAY COLUMBIA MD 210452892, COLUMBIA, MD 21045-2892

Mortgage

Document Number	185400500
Date	Feb 4, 2019
Book Page	018540/000500

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2049

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Feb 4, 2019
Property Address	6478 SUMMER CLOUD WAY, COLUMBIA, MD 21045-2892
Document Number	0185400489
Book / Page	018540 / 000489
Instrument Date	Jan 10, 2019
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	BRENNAN TITLE

Transaction

Amount	Amount on Record
Tax	$502.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3261 OLD WASHINGTON RD #3040 WALDORF MD 206023300, 3040, WALDORF, MD 20602-3300

Tax Assessment & Valuation

The 2026 property tax bill for 6478 Summer Cloud Way was $9,732, up 6.5% from the year before.

Source: Howard County assessment roll, as of September 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,732.00 (+6.51%)	$632,200 (+6.6%) Land $249,100 Building $383,100	$632,200 (-) Land $249,100 Building $383,100
2025	$9,137.00 (+6.57%)	$593,067	$632,200 Land $249,100 Building $383,100
2024	$8,574.00
2023		$514,800 Land $194,100 Building $320,700	$514,800 Land $194,100 Building $320,700
2022	$5,495.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6478 Summer Cloud Way 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

Wildfire risk around 6478 Summer Cloud Way 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 94% of the US · lower than 89% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
Believe Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Summer Cloud Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures