Howard County property record for 9985 Cape Ann Dr, Columbia, MD 21046
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,240 sqft · built 1978 |
| Lot Size | 0.191 acres (8,300 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $298,824 (Apr 2005) |
| Tax Bill | $7,117 (2026) |
| Deeds & Mortgages | Sep 2021 Line of Credit Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-139750 |
| Primary APN | 16-139750 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,240 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,300 sqft (0.191 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 139750 |
|---|---|
| Street Address | 9985 CAPE ANN DR |
| City | COLUMBIA |
| State | MD |
| Zip | 21046-1302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 314 8,300 SQ 9985 CAPE ANN DR VIL KINGS CONTRIV |
| Legal Subdivision | VILLAGE KINGS CONTRIVANCE |
| Legal Lot Number | 314 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 606701 |
Source: Howard County records, as of September 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9985 CAPE ANN DR, COLUMBIA, MD 21046-1302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Jun 26, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage TOWER FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2005 · Amount on Record |
| Deed Sale | Apr 21, 2005 · Amount on Record |
| Prior Sale | Dec 23, 2002 · Amount on Record |
| Deed Document Number | 200556750 |
| Last Transfer Date | Jun 11, 2020 |
| Transfer Doc | 0194760340 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9985 CAPE ANN DR, COLUMBIA, MD 21046-1302 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0209380310 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 20938/310 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 25, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jun 26, 2020 |
| Property Address | 9985 CAPE ANN DR, COLUMBIA, MD 21046-1302 |
| Document Number | 0194760340 |
| Book / Page | 19476 / 340 |
| Map Reference | MB 3581 |
| Instrument Date | Jun 11, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | TOWER TITLE SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9985 CAPE ANN DR, COLUMBIA, MD 21046-1302 |
| Document Number | 19476344 |
|---|---|
| Date | Jun 26, 2020 |
| Instrument | 19476/344 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
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 | $7,117.00 (-3.6%) Homeowner's exemption | $550,500 (+7.89%) Land $229,800 Building $320,700 | $550,500 (-) Land $229,800 Building $320,700 |
| 2025 | $7,383.00 (+5.11%) Homeowner's exemption | $510,233 (+18.74%) | $550,500 (+28.11%) Land $229,800 Building $320,700 |
| 2024 | $7,024.00 (+47.75%) | ||
| 2023 | $429,700 Land $199,800 Building $229,900 | $429,700 Land $199,800 Building $229,900 | |
| 2022 | $4,754.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 7 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
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