6948 Red Clay Forge, #18, Elkridge, MD 21075 Property Records

Howard County property record for 6948 Red Clay Forge, #18, Elkridge, MD 21075

Property Summary

Property Type	Townhouse
Details	3 ba · 2,040 sqft · built 2007
Lot Size	0.212 acres (9,241 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Dec 2020)
Tax Bill	$6,392 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-313886`

Property Details

APN / Parcel Number

Primary APN	`01-313886`
Alternative APN	`313886`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	2,040 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,241 sqft (0.212 acres)
Garage Type	Built-in
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	313886
Street Address	6948 RED CLAY FRG, 18
City	ELKRIDGE
State	MD
Zip	21075-6368
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	P/O PAR A 9,241 SQ' 6948 RED CLAY FORGE BELMONT STATION CONDO P1
Legal Subdivision	BELMONT STATION CONDOMINIUM
Legal Lot Number	U 18
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	1
Census Block	1021
Census Tract	601204

Owner

6948 Red Clay Forge, #18 is owned by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	5223 ILCHESTER RD, ELLICOTT CITY, MD 21043-7041
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2020	Deed, Transfer · Conventional Mortgage AXOS BANK
Feb 4, 2020	Quit Claim Deed, Transfer · Conventional Mortgage VISIO FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2020 · Amount on File
Deed Sale	Dec 4, 2020 · Amount on File
Prior Sale	Dec 21, 2007 · Amount on File
Deed Book / Page	19985 / 104
Prior Transfer Date	Jan 29, 2020
Prior Transfer Doc	0191610332
Record Updated	Oct 29, 2026

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Dec 4, 2020
Property Address	6948 RED CLAY FRG # 18, 18, ELKRIDGE, MD 21075-6368
Document Number	0199850104
Book / Page	19985 / 104
Map Reference	PL 19481&19482
Instrument Date	Oct 13, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	HUTTON PATT T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5223 ILCHESTER RD, ELLICOTT CITY, MD 21043-7041

Mortgage

Document Number	19985108
Date	Dec 4, 2020
Instrument	19985/108

Lender

Name	AXOS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOWARD MD
Recording Date	Feb 4, 2020
Property Address	6948 RED CLAY FRG # 18, 18, ELKRIDGE, MD 21075-6368
Document Number	0191610332
Book / Page	19161 / 332
Map Reference	PL 19481&19482
Instrument Date	Jan 29, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 OAK KNOLL DR, 305, ROCKVILLE, MD 20850-4735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 OAK KNOLL DR, ROCKVILLE, MD 20850-4735

Mortgage

Document Number	19161337
Date	Feb 4, 2020
Instrument	19161/337

Lender

Name	VISIO FINANCIAL SERVICES INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	7.27%
Type Change Date	Mar 1, 2027
Change Frequency	Annually
Min Rate At Change	7.27%
Max Rate At Change	10.2%
Index	1-Year LIBOR
Margin	7
Max Rate	13.2%

Tax Assessment & Valuation

The 2026 property tax bill for 6948 Red Clay Forge, #18 was $6,392, up 9.8% 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	$6,392.00 (+9.77%)	$440,500 (+9.44%) Land $165,000 Building $275,500	$440,500 (-) Land $165,000 Building $275,500
2025	$5,823.00	$402,500	$440,500 Land $165,000 Building $275,500
2023		$326,500 Land $100,000 Building $226,500	$326,500 Land $100,000 Building $226,500
2022	$3,665.00

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

Flood

FEMA maps place 6948 Red Clay Forge, #18 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 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 6948 Red Clay Forge, #18 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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
Believe Broadband Fixed Wireless	500 / 100
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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