6499 Summer Cloud Way, Columbia, MD 21045 Property Records

Howard County property record for 6499 Summer Cloud Way, Columbia, MD 21045

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,337 sqft · built 1989
Lot Size	0.273 acres (11,891 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Nov 2008)
Tax Bill	$8,347 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`16-190063`

Property Details

APN / Parcel Number

Primary APN	`16-190063`
Alternative APN	`190063`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,337 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,891 sqft (0.273 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	100 sqft
Deck Area	312 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	190063
Street Address	6499 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 38 .273 A 6499 SUMMER CLOUD WAY VIL LONGREACH S 4
Legal Subdivision	VILLAGE LONGREACH SEC 04
Legal Lot Number	38
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	6499 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Oct 7, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2008 · Amount on Record
Deed Sale	Nov 19, 2008 · Amount on Record
Deed Document Number	200889346
Deed Book / Page	11412 / 47
Last Transfer Date	Mar 17, 2011
Transfer Doc	1313000483
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6499 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5612
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0173610415
Date	Jan 3, 2017
Book Page	17361/415
Instrument	17361-415

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6499 SUMMER CLOUD WAY, COLUMBIA, MD 21045-5612
Document Number	0178790228
Book / Page	017879 / 000228
Instrument Date	Oct 7, 2017
Transaction Type	Mortgage
Record Updated	Nov 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6499 SUMMER CLOUD WAY COLUMBIA MD 210455612, COLUMBIA, MD 21045-5612

Mortgage

Document Number	0178790228
Date	Oct 24, 2017
Book Page	017879/000228

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2047

Interest

Rate Type	Adjustable Rate

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	$8,347.00 (-0.13%) Homeowner's exemption	$597,800 (+6.67%) Land $246,000 Building $351,800	$597,800 (-) Land $246,000 Building $351,800
2025	$8,358.00 (+56.4%) Homeowner's exemption	$560,433 (+15.39%)	$597,800 (+23.08%) Land $246,000 Building $351,800
2023		$485,700 Land $191,000 Building $294,700	$485,700 Land $191,000 Building $294,700
2022	$5,344.00

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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