Howard County property record for 7181 Rivers Edge Rd, Columbia, MD 21044
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,598 sqft · built 1986 |
| Lot Size | 0.323 acres (14,069 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $505,000 (Jun 2015) |
| Tax Bill | $10,440 (2026) |
| Deeds & Mortgages | Oct 2022 Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-396484 |
| Primary APN | 05-396484 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,598 sqft Total Area |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 14,069 sqft (0.323 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 576 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 396484 |
|---|---|
| Street Address | 7181 RIVERS EDGE RD |
| City | COLUMBIA |
| State | MD |
| Zip | 21044-4237 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 9 .323 A 7181 RIVERS EDGE RD RIVERSIDE S 1 AR 3 |
| Legal Subdivision | RIVERSIDE SEC 01 AR 03 |
| Legal Lot Number | 9 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 605105 |
7181 Rivers Edge Rd is owned and occupied by two individuals who bought it in June 2015.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7181 RIVERS EDGE RD, COLUMBIA, MD 21044-4237 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Oct 5, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 8, 2020 | Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2015 · Amount on File |
| Deed Sale | Jun 16, 2015 · Amount on File |
| Prior Sale | Aug 26, 2002 |
| Deed Book / Page | 16260 / 1 |
| Transfer Doc | 0063680180 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 7181 RIVERS EDGE RD, COLUMBIA, MD 21044-4237 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Title Company | SPRUCE TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0217470303 |
|---|---|
| Date | Oct 5, 2022 |
| Book Page | 21747/303 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 221 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 7181 RIVERS EDGE RD, COLUMBIA, MD 21044-4237 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0195150139 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 19515/139 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | BUENA PARK, CA 90620 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jun 1, 2045 |
The 2026 property tax bill for 7181 Rivers Edge Rd was $10,440 with a homeowner's exemption, down 1.9% from the year before.
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 | $10,440.00 (-1.9%) Homeowner's exemption | $778,933 (+2.49%) | $816,800 (+7.47%) Land $351,500 Building $465,300 |
| 2025 | $10,642.00 (+5.08%) Homeowner's exemption | $760,000 Land $261,500 Building $498,500 | $760,000 Land $261,500 Building $498,500 |
| 2024 | $10,128.00 | ||
| 2023 | $649,667 | $760,000 Land $261,500 Building $498,500 | |
| 2022 | $6,694.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7181 Rivers Edge Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 6 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 7181 Rivers Edge Rd is low, with 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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.
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 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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