6498 Summer Cloud Way, Columbia, MD 21045 Property Records

Howard County property record for 6498 Summer Cloud Way, Columbia, MD 21045

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,332 sqft · built 1989
Lot Size	0.242 acres (10,541 sqft)
Owner	Individual Name on Record
Tax Bill	$9,131 (2026)
Deeds & Mortgages	Sep 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-190071`

Property Details

APN / Parcel Number

Primary APN	`16-190071`
Alternative APN	`190071`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,332 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 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	10,541 sqft (0.242 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	190071
Street Address	6498 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 39 .242 A 6498 SUMMER CLOUD WAY VIL LONGREACH S 4
Legal Subdivision	VILLAGE LONGREACH SEC 04
Legal Lot Number	39
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	2
Census Block	2000
Census Tract	606706

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	Individual Name on Record
Mailing Address	6498 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2002
Deed Sale	Feb 4, 2002
Deed Document Number	2002941
Deed Book / Page	5967 / 267
Record Updated	Oct 29, 2026

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6498 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5612
Document Number	0173950145
Instrument Date	Sep 22, 2016
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6498 SUMMER CLOUD WAY COLUMBIA MD 210455612, COLUMBIA, MD 21045-5612

Mortgage

Document Number	0173950145
Date	Jan 19, 2017
Book Page	017395/000145

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2047

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	$9,131.00 (+2.68%) Homeowner's exemption	$628,800 (+5.65%) Land $239,900 Building $388,900	$628,800 (-) Land $239,900 Building $388,900
2025	$8,893.00 (+4.83%) Homeowner's exemption	$595,167 (+12.74%)	$628,800 (+19.11%) Land $239,900 Building $388,900
2024	$8,483.00 (+45.41%)
2023		$527,900 Land $184,900 Building $343,000	$527,900 Land $184,900 Building $343,000
2022	$5,834.00

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	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

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

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