7210 Darby Downs, Unit L, Elkridge, MD 21075 Property Records

Howard County property record for 7210 Darby Downs, Unit L, Elkridge, MD 21075

Property Summary

Property Type	Condominium
Details	2 ba · 1,400 sqft · built 2007
Lot Size	0.265 acres (11,552 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Aug 2023)
Tax Bill	$4,218 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-312995`

Property Details

APN / Parcel Number

Primary APN	`01-312995`
Alternative APN	`312995`

Interior

Full Baths	2 Baths
Building Area	1,400 sqft Total Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Condo/Apartment
Lot Area	11,552 sqft (0.265 acres)

Location & Zoning

Account Number	312995
Street Address	7210 DARBY DOWNS, L
City	ELKRIDGE
State	MD
Zip	21075-5426
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CACLI
Legal Description	P/O UT 1 P/O 11552SQ 7210 DARBY DOWNS UN L ELKRIDGE CROSSING CONDO
Legal Lot Number	UN L
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	2
Census Block	2012
Census Tract	601205

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	7210 DARBY DOWNS, L, ELKRIDGE, MD 21075-5426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2023 · Amount on Record
Deed Sale	Aug 10, 2023 · Amount on Record
Prior Sale	May 9, 2013 · Amount on Record
Deed Book / Page	22074 / 266
Record Updated	Oct 29, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Aug 10, 2023
Property Address	7210 DARBY DOWNS UNIT L, L, ELKRIDGE, MD 21075-5426
Document Number	0220740266
Book / Page	22074 / 266
Map Reference	PL 19390-19393
Instrument Date	Aug 2, 2023
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,525.00
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 Severalty
Address	7210 DARBY DOWNS UNIT L, L, ELKRIDGE, MD 21075-5426

Mortgage

Document Number	0022074273
Date	Aug 10, 2023
Instrument	22074/273

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Sep 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.8%
Max Rate	11.8%

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	$4,218.00 (+7.16%)	$289,800 (+6.88%) Land $86,900 Building $202,900	$289,800 (-) Land $86,900 Building $202,900
2025	$3,936.00 (+53.63%)	$271,133 (+15.97%)	$289,800 (+23.95%) Land $86,900 Building $202,900
2023		$233,800 (+2.75%) Land $70,100 Building $163,700	$233,800 (-) Land $70,100 Building $163,700
2022	$2,562.00 Homeowner's exemption	$227,533	$233,800 Land $70,100 Building $163,700

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 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