Howard County property record for 9346 Opal Chain, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,296 sqft · built 1974 |
| Lot Size | 0.315 acres (13,700 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $459,500 (Jun 2019) |
| Tax Bill | $9,655 (2026) |
| Deeds & Mortgages | Nov 2021 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-076309 |
| Primary APN | 16-076309 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,296 sqft Total Area |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,700 sqft (0.315 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 400 sqft |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 076309 |
|---|---|
| Street Address | 9346 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 24 .314 A 9346 OPAL CHAIN VOB COLUMBIA S 2 AR 3 |
| Legal Subdivision | VILLAGE OWEN BROWN SEC 2 |
| Legal Lot Number | 24 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 606708 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9346 OPAL CHAIN, COLUMBIA, MD 21045-5211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TOWER FCU |
| Jun 6, 2019 | Deed, Transfer · Conventional Mortgage TOWER FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2019 · Amount on Record |
| Deed Sale | Jun 6, 2019 · Amount on Record |
| Prior Sale | Feb 21, 2013 · Amount on Record |
| Deed Book / Page | 18706 / 152 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9346 OPAL CHAIN, COLUMBIA, MD 21045-5211 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | TOWER TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0211110322 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 21111/322 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jun 6, 2019 |
| Property Address | 9346 OPAL CHAIN, COLUMBIA, MD 21045-5211 |
| Document Number | 0187060152 |
| Book / Page | 18706 / 152 |
| Map Reference | MB 25 FO 21 |
| Instrument Date | May 28, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | TOWER TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,802.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9346 OPAL CHAIN, COLUMBIA, MD 21045-5211 |
| Document Number | 18706158 |
|---|---|
| Date | Jun 6, 2019 |
| Instrument | 18706/158 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
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 | $9,655.00 (+5.91%) | $626,900 (+5.96%) Land $216,300 Building $410,600 | $626,900 (-) Land $216,300 Building $410,600 |
| 2025 | $9,116.00 (+60.63%) | $591,633 (+13.54%) | $626,900 (+20.3%) Land $216,300 Building $410,600 |
| 2023 | $521,100 Land $196,300 Building $324,800 | $521,100 Land $196,300 Building $324,800 | |
| 2022 | $5,675.00 |
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 96% of the US · lower than 92% 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 175 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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