7310 Summit Rock Rd, Elkridge, MD 21075 Property Records

Howard County property record for 7310 Summit Rock Rd, Elkridge, MD 21075

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,960 sqft · built 2014
Lot Size	0.051 acres (2,220 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Jun 2025)
Tax Bill	$7,104 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-594820`

Property Details

APN / Parcel Number

Primary APN	`01-594820`
Alternative APN	`594820`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,960 sqft Total Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,220 sqft (0.051 acres)
Garage Type	Built-in
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Deck Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	594820
Street Address	7310 SUMMIT ROCK RD
City	ELKRIDGE
State	MD
Zip	21075-7260
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	CACLI
Legal Description	LOT 175 2,220 SQ' 7310 SUMMIT ROCK RD HOWARD SQUARE PH 2
Legal Subdivision	HOWARD SQUARE
Legal Phase	2
Legal Lot Number	175
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	2
Census Block	2064
Census Tract	601203

Owner

7310 Summit Rock Rd, a townhouse, is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	7310 SUMMIT ROCK RD, ELKRIDGE, MD 21075-7260
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2025 · Amount on File
Deed Sale	Jun 26, 2025 · Amount on File
Prior Sale	Aug 22, 2014 · Amount on File
Deed Book / Page	22820 / 153
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7310 SUMMIT ROCK RD, ELKRIDGE, MD 21075-7260
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0199360356
Date	Nov 19, 2020
Book Page	19936/356

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Oct 1, 2035

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7310 SUMMIT ROCK RD, ELKRIDGE, MD 21075-7260
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0208020395
Date	Aug 13, 2021
Book Page	20802/395

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 7310 Summit Rock Rd was $7,104, up 7.8% 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	$7,104.00 (+7.82%)	$462,800 (+5.73%) Land $165,000 Building $297,800	$462,800 (-) Land $165,000 Building $297,800
2025	$6,589.00 Homeowner's exemption	$437,700	$462,800 Land $165,000 Building $297,800
2023		$387,500 Land $160,000 Building $227,500	$387,500 Land $160,000 Building $227,500
2022	$4,315.00

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

Flood

FEMA maps place 7310 Summit Rock Rd 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

The area around 7310 Summit Rock Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 411 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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