7010 Folded Palm, Columbia, MD 21045 Property Records

Howard County property record for 7010 Folded Palm, Columbia, MD 21045

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,040 sqft · built 1977
Lot Size	0.219 acres (9,548 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Jan 2026)
Tax Bill	$6,462 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-093815`

Property Details

APN / Parcel Number

Primary APN	`16-093815`
Alternative APN	`093815`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,040 sqft Total Area
Basement Area	455 sqft
Finished Basement	455 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,548 sqft (0.219 acres)
Garage Type	Basement
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	420 sqft
Patio Area	520 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	093815
Street Address	7010 FOLDED PALM
City	COLUMBIA
State	MD
Zip	21045-5207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT 21 .219 A 7010 FOLDED PALM VIL OWEN BROWN S 2 AR 3
Legal Subdivision	VILLAGE OWEN BROWN SEC 02
Legal Lot Number	21
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3003
Census Tract	606708

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 Individual Names on Record
Mailing Address	7010 FOLDED PALM, COLUMBIA, MD 21045-5207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2026 · Amount on Record
Deed Sale	Jan 22, 2026 · Amount on Record
Prior Sale	Mar 17, 2006 · Amount on Record
Deed Book / Page	23082 / 429
Prior Transfer Date	Mar 8, 2006
Prior Transfer Doc	0098880426
Record Updated	Oct 29, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Jan 22, 2026
Property Address	7010 FOLDED PALM, COLUMBIA, MD 21045-5207
Document Number	0230820429
Book / Page	23082 / 429
Map Reference	MB 25 FO 22
Instrument Date	Dec 22, 2025
Transaction Type	Transfer
Record Updated	Feb 12, 2026
Title Company	LYTLE TITLE AND ESCROW LLC, ELITE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,425.00
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 by the Entirety
Address	7010 FOLDED PALM, COLUMBIA, MD 21045-5207

Mortgage

Document Number	0023082436
Date	Jan 22, 2026
Instrument	23082/436

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

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	$6,462.00 (+4.61%)	$413,100 (+4.66%) Land $200,400 Building $212,700	$413,100 (-) Land $200,400 Building $212,700
2025	$6,177.00 (+4.48%)	$394,700 (+10.28%)	$413,100 (+15.42%) Land $200,400 Building $212,700
2024	$5,912.00 (+53.24%)
2023		$357,900 Land $180,400 Building $177,500	$357,900 Land $180,400 Building $177,500
2022	$3,858.00

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
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2024 · other causes

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 96% of the US · lower than 92% 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20