7974 Blue Stream Dr, Elkridge, MD 21075 Property Records

Howard County property record for 7974 Blue Stream Dr, Elkridge, MD 21075

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,020 sqft · built 2015
Lot Size	0.03 acres (1,300 sqft)
Owner	Individual Name on File
Last Sale	$505,000 (Sep 2022)
Tax Bill	$6,905 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-598057`

Property Details

APN / Parcel Number

Primary APN	`01-598057`
Alternative APN	`598057`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,020 sqft Total Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,300 sqft (0.03 acres)
Garage Type	Built-in
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Deck Area	136 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	598057
Street Address	7974 BLUE STREAM DR
City	ELKRIDGE
State	MD
Zip	21075-7956
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 11 1,300 SQ' 7974 BLUE STREAM DR BLUE STREAM
Legal Subdivision	BLUE STREAM TOWNS
Legal Lot Number	11
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	1
Census Block	1005
Census Tract	601203

Owner

7974 Blue Stream Dr, a townhouse, is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	7974 BLUE STREAM DR, ELKRIDGE, MD 21075-7956
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
Sep 19, 2022	Deed, Transfer · Conventional Mortgage GREENWAY FUNDING GROUP INC
Apr 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2022 · Amount on File
Deed Sale	Sep 19, 2022 · Amount on File
Prior Sale	Dec 15, 2015 · Amount on File
Deed Book / Page	21722 / 238
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Sep 19, 2022
Property Address	7974 BLUE STREAM DR, ELKRIDGE, MD 21075-7956
Document Number	0217220238
Book / Page	21722 / 238
Map Reference	PL 23338-23342
Instrument Date	Aug 31, 2022
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,262.50
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	7974 BLUE STREAM DR, ELKRIDGE, MD 21075-7956

Mortgage

Document Number	0021722246
Date	Sep 19, 2022
Instrument	21722/246

Lender

Name	GREENWAY FUNDING GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7974 BLUE STREAM DR, ELKRIDGE, MD 21075-7956
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	GLOBAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0192700153
Date	Apr 2, 2020
Book Page	19270/153

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2035

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7974 BLUE STREAM DR, ELKRIDGE, MD 21075-7956
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	GLOBAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0199690162
Date	Dec 1, 2020
Book Page	19969/162

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 7974 Blue Stream Dr was $6,905, up 5.6% 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	$6,905.00 (+5.6%)	$476,100 (+5.26%) Land $130,000 Building $346,100	$476,100 (-) Land $130,000 Building $346,100
2025	$6,539.00	$452,300	$476,100 Land $130,000 Building $346,100
2023		$404,700 Land $160,000 Building $244,700	$404,700 Land $160,000 Building $244,700
2022	$4,372.00

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

Flood

FEMA maps place 7974 Blue Stream Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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
Nearby Flood Claims	2 (1979)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 1979 · rainfall accumulation

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 7974 Blue Stream Dr 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 586 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 · Fiber in parts of the area	2,000 / 250
Believe Broadband Fixed Wireless	500 / 100

May also be available: AT&T.

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