Howard County property record for 7012 Rackham Way, Hanover, MD 21076
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 4 ba · 2,660 sqft · built 2018 |
| Lot Size | 0.025 acres (1,080 sqft) |
| Owner | Individual Name on File |
| Last Sale | $550,000 (Nov 2023) |
| Tax Bill | $40 (2026) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Nov 2023 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-600283 |
| Primary APN | 01-600283 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 4 Stories |
| Building Area | 2,660 sqft Total Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,080 sqft (0.025 acres) |
| Garage Type | Built-in |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 600283 |
|---|---|
| Street Address | 7012 RACKHAM WAY |
| City | HANOVER |
| State | MD |
| Zip | 21076-2267 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | TOD |
| Legal Description | LOT 267 1,080 SQ' 7012 RACKHAM WAY OXFORD SQUARE, RSB OF PA |
| Legal Subdivision | RIVER OVERLOOK |
| Legal Lot Number | 267 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 1, ELKRIDGE |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 601204 |
7012 Rackham Way is owned by an individual who bought it in November 2023.
Source: Howard County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 597 BIG PINE AVE, MINNEOLA, FL 34715-6104 |
| 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.
| Date | Document |
|---|---|
| Nov 1, 2023 | Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Nov 1, 2023 | Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Apr 26, 2019 | Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC |
| Jan 10, 2020 | Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC |
| Dec 17, 2020 | Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC |
| Aug 1, 2018 | Deed, Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2023 · Amount on File |
| Deed Sale | Nov 1, 2023 · Amount on File |
| Prior Sale | Aug 1, 2018 · Amount on File |
| Deed Book / Page | 22168 / 237 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Nov 1, 2023 |
| Property Address | 7012 RACKHAM WAY, HANOVER, MD 21076-2267 |
| Document Number | 0221680237 |
| Book / Page | 22168 / 237 |
| Map Reference | PL WAR 24357-24362 |
| Instrument Date | Oct 13, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2023 |
| Title Company | CARTER TITLE LLC, CHARTER TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 7012 RACKHAM WAY, HANOVER, MD 21076-2267 |
| Document Number | 0022168243 |
|---|---|
| Date | Nov 1, 2023 |
| Instrument | 22168/243 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Nov 1, 2023 |
| Property Address | 7012 RACKHAM WAY, HANOVER, MD 21076-2267 |
| Document Number | 0221680237 |
| Book / Page | 22168 / 237 |
| Map Reference | PL WAR 24357-24362 |
| Instrument Date | Oct 13, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2024 |
| Title Company | CARTER TITLE LLC, CHARTER TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 7012 RACKHAM WAY, HANOVER, MD 21076-2267 |
| Document Number | 0022168243 |
|---|---|
| Date | Nov 1, 2023 |
| Instrument | 22168/243 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 7012 RACKHAM WAY, HANOVER, MD 21076-2267 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0186400105 |
|---|---|
| Date | Apr 26, 2019 |
| Book Page | 18640/105 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CINCINNATI, OH 45212 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 7012 RACKHAM WAY, HANOVER, MD 21076-2267 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0191190085 |
|---|---|
| Date | Jan 10, 2020 |
| Book Page | 19119/085 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CINCINNATI, OH 45212 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 7012 RACKHAM WAY, HANOVER, MD 21076-2267 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | COSMOPOLITAN TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0200300416 |
|---|---|
| Date | Dec 17, 2020 |
| Book Page | 20030/416 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CINCINNATI, OH 45242 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Aug 1, 2018 |
| Property Address | 7012 RACKHAM WAY, HANOVER, MD 21076-2267 |
| Document Number | 0183000400 |
| Book / Page | 18300 / 400 |
| Map Reference | PL WAR24357-24362 |
| Instrument Date | Jul 24, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | NORTH AMERICAN TITLE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,643.35 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 7012 RACKHAM WAY, HANOVER, MD 21076-2267 |
| Document Number | 0018300407 |
|---|---|
| Date | Aug 1, 2018 |
| Instrument | 18300/407 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
The 2026 property tax bill for 7012 Rackham Way was $40.
Source: Howard County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Howard County |
| Unified School District | Howard County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $40.00 | $520,600 (+5.94%) Land $130,000 Building $390,600 | $520,600 (-) Land $130,000 Building $390,600 |
| 2025 | $40.00 | $491,400 | $520,600 Land $130,000 Building $390,600 |
| 2023 | $433,000 Land $135,000 Building $298,000 | $433,000 Land $135,000 Building $298,000 | |
| 2022 | $4,836.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7012 Rackham Way in Zone X, an area of minimal flood risk.
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 | 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 risk around 7012 Rackham Way 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 98% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 397 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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