6489 S Wind Cir, Columbia, MD 21044 Property Records

Howard County property record for 6489 S Wind Cir, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,532 sqft · built 1992
Lot Size	0.334 acres (14,549 sqft)
Owner	2 Trust Names on Record
Last Sale	$615,000 (Jan 2004)
Tax Bill	$12,999 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-099550`

Property Details

APN / Parcel Number

Primary APN	`15-099550`
Alternative APN	`099550`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,532 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,549 sqft (0.334 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	12 sqft
Deck Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	099550
Street Address	6489 S WIND CIR
City	COLUMBIA
State	MD
Zip	21044-6001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT 78 .334A 6489 SOUTH WIND CIR VIL OF RIVER HILL
Legal Subdivision	VILLAGE RIVER HILL
Legal Lot Number	78
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	3
Census Block	3002
Census Tract	605505

Owner

Source: Howard County records, as of September 4, 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 Record
Mailing Address	6489 S WIND CIR, COLUMBIA, MD 21044-6001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2004 · Amount on Record
Deed Sale	Jan 15, 2004 · Amount on Record
Prior Sale	Nov 5, 1992 · Amount on Record
Deed Document Number	20041788
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6489 S WIND CIR, COLUMBIA, MD 21044-6001
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6489 S WIND CIR, COLUMBIA, MD 21044-6001

Mortgage

Document Number	0196530373
Date	Aug 27, 2020
Book Page	19653/373

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Jun 1, 2030

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6489 S WIND CIR, COLUMBIA, MD 21044-6001
Document Number	0178350373
Instrument Date	Aug 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6489 S WIND CIR COLUMBIA MD 210446001, COLUMBIA, MD 21044-6001

Mortgage

Document Number	0178350373
Date	Sep 29, 2017
Book Page	017835/000373

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 28, 2032

Tax Assessment & Valuation

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	$12,999.00 (+4.47%) Homeowner's exemption	$870,400 (+5.26%)	$913,900 (-) Land $446,700 Building $467,200
2025	$12,443.00 (+52.77%) Homeowner's exemption	$826,900 (+9.76%)	$913,900 (+16.66%) Land $446,700 Building $467,200
2023		$753,400	$783,400 Land $406,700 Building $376,700
2022	$8,145.00

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

Flood

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	5 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

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Wind Cir

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