Howard County property record for 6486 Summer Cloud Way, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,268 sqft · built 1990 |
| Lot Size | 0.36 acres (15,681 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Jun 2015) |
| Tax Bill | $9,693 (2026) |
| Deeds & Mortgages | Feb 2018 Mortgage Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-190128 |
| Primary APN | 16-190128 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,268 sqft Total Area |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,681 sqft (0.36 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 190128 |
|---|---|
| Street Address | 6486 SUMMER CLOUD WAY |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-5612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 42 .360 A 6486 SUMMER CLOUD WAY VIL LONGREACH S 4 |
| Legal Subdivision | VILLAGE OF LONGREACH |
| Legal Lot Number | 42 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 606706 |
6486 Summer Cloud Way is owned and occupied by an individual who acquired it in May 2019.
Source: Howard County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6486 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5612 |
| 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 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Jan 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage APL FCU |
| Jun 20, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage APL FCU |
| Apr 18, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2015 · Amount on File |
| Deed Sale | Jun 15, 2015 · Amount on File |
| Prior Sale | Aug 23, 1996 · Amount on File |
| Deed Book / Page | 16257 / 405 |
| Last Transfer Date | May 30, 2019 |
| Transfer Doc | 0187320167 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6486 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5612 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0180640496 |
|---|---|
| Date | Feb 27, 2018 |
| Book Page | 18064/496 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6486 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5612 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | FREESTATE TTL CONSULTANTS LL |
| Name | Verified Name |
|---|
| Document Number | 0212610410 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 21261/410 |
| Name | APL FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20723 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jun 20, 2019 |
| Property Address | 6486 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5612 |
| Document Number | 0187320167 |
| Book / Page | 18732 / 167 |
| Map Reference | PL 7820 |
| Instrument Date | May 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | FREESTATE TTL CONSULTANTS LL |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Document Number | 18732173 |
|---|---|
| Date | Jun 20, 2019 |
| Instrument | 18732/173 |
| Name | APL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 18, 2019 |
| Property Address | 6486 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5612 |
| Document Number | 0186300307 |
| Book / Page | 018630 / 000307 |
| Instrument Date | Apr 1, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6486 SUMMER CLOUD WAY COLUMBIA MD 210455612, COLUMBIA, MD 21045-5612 |
The 2026 property tax bill for 6486 Summer Cloud Way was $9,693, up 6.5% 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 | $9,693.00 (+6.47%) | $629,500 (+6.56%) Land $252,300 Building $377,200 | $629,500 (-) Land $252,300 Building $377,200 |
| 2025 | $9,104.00 (+6.53%) | $590,733 | $629,500 Land $252,300 Building $377,200 |
| 2024 | $8,546.00 | ||
| 2023 | $513,200 Land $197,300 Building $315,900 | $513,200 Land $197,300 Building $315,900 | |
| 2022 | $5,517.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6486 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 risk around 6486 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.
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 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 |
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