9577 Clocktower Ln, Columbia, MD 21046 Property Records

Howard County property record for 9577 Clocktower Ln, Columbia, MD 21046

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,260 sqft · built 1988
Lot Size	0.032 acres (1,393 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Dec 2020)
Tax Bill	$4,990 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-185515`

Property Details

APN / Parcel Number

Primary APN	`16-185515`
Alternative APN	`185515`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,260 sqft Total Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,393 sqft (0.032 acres)
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	185515
Street Address	9577 CLOCKTOWER LN
City	COLUMBIA
State	MD
Zip	21046-1873
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	NT
Legal Description	LOT D-126 .0322 A 9577 CLOCKTOWER LN VIL KINGS CONT S 3 AR 1
Legal Subdivision	VILLAGE OF KINGS CONTRIVANCE
Legal Lot Number	D 126
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	2
Census Block	2010
Census Tract	606804

Owner

Source: Howard County records, as of August 18, 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	9577 CLOCKTOWER LN, COLUMBIA, MD 21046-1873
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2020	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Jan 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Dec 1, 2020	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2020 · Amount on Record
Deed Sale	Dec 1, 2020 · Amount on Record
Prior Sale	Dec 4, 2015 · Amount on Record
Deed Book / Page	19974 / 320
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	9577 CLOCKTOWER LN, COLUMBIA, MD 21046-1873
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	RESOURCE RE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0191420303
Date	Jan 24, 2020
Book Page	19142/303

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	9577 CLOCKTOWER LN, COLUMBIA, MD 21046-1873
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	RESOURCE RE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0191420283
Date	Jan 24, 2020
Book Page	19142/283

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2045

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Dec 1, 2020
Property Address	9577 CLOCKTOWER LN, COLUMBIA, MD 21046-1873
Document Number	0199740320
Book / Page	19974 / 320
Map Reference	PL 7082
Instrument Date	Nov 4, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	COVENANT TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9772 KNOWLEDGE DR, 9772, LAUREL, MD 20723-5500

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9577 CLOCKTOWER LN, COLUMBIA, MD 21046-1873

Mortgage

Document Number	0019974326
Date	Dec 1, 2020
Instrument	19974/326

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Howard County assessment roll, as of August 4, 2025

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		$337,200 (+6.26%) Land $160,000 Building $177,200	$337,200 (-) Land $160,000 Building $177,200
2025	$4,990.00 (+64.96%)	$317,333 (+14.31%)	$337,200 (+21.47%) Land $160,000 Building $177,200
2023		$277,600 Land $130,000 Building $147,600	$277,600 Land $130,000 Building $147,600
2022	$3,025.00

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017 · river or lake flooding

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 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.

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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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