Howard County property record for 9343 Opal Chain, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,728 sqft · built 1975 |
| Lot Size | 0.202 acres (8,800 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $159,900 (May 1996) |
| Tax Bill | $7,326 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Feb 2026 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-115010 |
| Primary APN | 16-115010 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,728 sqft Total Area |
| Basement Area | 588 sqft |
| Finished Basement | 588 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,800 sqft (0.202 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 416 sqft |
| Patio Area | 610 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 115010 |
|---|---|
| Street Address | 9343 OPAL CHAIN |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-5211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 36 8,800 SQ' 9343 OPAL CHAIN HICKORY LIMB S2 A3 |
| Legal Subdivision | HICKORY LIMB SWS |
| Legal Lot Number | 36 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 606708 |
Source: Howard County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 9343 OPAL CHAIN, COLUMBIA, MD 21045-5211 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Sep 29, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Feb 13, 2026 | Intrafamily Transfer, Transfer |
| Jul 7, 2017 | Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 1996 · Amount on Record |
| Deed Sale | May 7, 1996 · Amount on Record |
| Prior Sale | Mar 31, 1988 · Amount on Record |
| Deed Document Number | 19962239 |
| Deed Book / Page | 3720 / 38 |
| Last Transfer Date | Jan 13, 2026 |
| Transfer Doc | 0231110218 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 29, 2026 |
| Property Address | 9343 OPAL CHAIN, COLUMBIA, MD 21045-5211 |
| Document Number | 2343000093 |
| Book / Page | 23431 / 93 |
| Instrument Date | Aug 29, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2026 |
| Title Company | PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 9343 OPAL CHAIN, COLUMBIA, MD 21045-5211 |
| Document Number | 2343000093, |
|---|---|
| Date | Sep 29, 2026 |
| Book Page | 23431/93 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 28, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 13, 2026 |
| Property Address | 9343 OPAL CHAIN, COLUMBIA, MD 21045-5211 |
| Document Number | 0231110218 |
| Book / Page | 23111 / 218 |
| Map Reference | MB 25 FO 21 |
| Instrument Date | Jan 13, 2026 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 9343 OPAL CHAIN, COLUMBIA, MD 21045-5211 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9343 OPAL CHAIN, COLUMBIA, MD 21045-5211 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0176840066 |
|---|---|
| Date | Jul 7, 2017 |
| Book Page | 17684/066 |
| Instrument | 17684-066 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Address | BETHPAGE, NY 11714 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | May 28, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $7,326.00 (+7.78%) | $473,000 (+5.75%) Land $197,100 Building $275,900 | $473,000 (-) Land $197,100 Building $275,900 |
| 2025 | $6,797.00 (+4.76%) Homeowner's exemption | $447,267 (+13%) | $473,000 (+19.5%) Land $197,100 Building $275,900 |
| 2024 | $6,488.00 (+48.36%) | ||
| 2023 | $395,800 Land $177,100 Building $218,700 | $395,800 Land $177,100 Building $218,700 | |
| 2022 | $4,373.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2024 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% 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 406 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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