9989 Cape Ann Dr, Columbia, MD 21046 Property Records

Howard County property record for 9989 Cape Ann Dr, Columbia, MD 21046

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,994 sqft · built 1979
Lot Size	0.18 acres (7,837 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Nov 2015)
Tax Bill	$7,236 (2026)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-139769`

Property Details

APN / Parcel Number

Primary APN	`16-139769`
Alternative APN	`139769`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,994 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,837 sqft (0.18 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	139769
Street Address	9989 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 315 P/O LOT329 9989 CAPE ANN DR VIL KINGS CONTRIV
Legal Subdivision	VILLAGE KINGS CONTRIVANCE
Legal Lot Number	315,329
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	2
Census Block	2001
Census Tract	606701

Owner

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	9989 CAPE ANN DR, COLUMBIA, MD 21046-1302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2015 · Amount on Record
Deed Sale	Nov 18, 2015 · Amount on Record
Deed Book / Page	16556 / 315
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	9989 CAPE ANN DR, COLUMBIA, MD 21046-1302
Transaction Type	Mortgage
Record Updated	Nov 8, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9989 CAPE ANN DR, COLUMBIA, MD 21046-1302

Mortgage

Document Number	0210490156
Date	Oct 26, 2021
Book Page	21049/156

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

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	$7,236.00 (+0.54%) Homeowner's exemption	$513,000 (+6.42%) Land $227,700 Building $285,300	$513,000 (-) Land $227,700 Building $285,300
2025	$7,197.00 (+54.87%) Homeowner's exemption	$482,033 (+14.74%)	$513,000 (+22.11%) Land $227,700 Building $285,300
2023		$420,100 Land $197,700 Building $222,400	$420,100 Land $197,700 Building $222,400
2022	$4,647.00

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
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.

Wildfire

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.

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 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