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10728 Cottonwood Way, Columbia, MD, 21044

5beds
4baths
3,731sqft
$799,900
$214price/sqft
$5,405/moest. monthly cost
$216,200/yrincome needed

About This Home

Spacious brick-front colonial offering over 4,000 square feet of beautifully finished living space in a sought-after Columbia community with no HOA or Columbia Association fees. A dramatic two-story foyer welcomes you into the bright, airy floor plan featuring formal living and dining rooms with hardwood flooring. The elegant living room is enhanced by a charming wood-burning fireplace, accent molding, and architectural columns, creating a warm and sophisticated gathering space. The chef's kitchen is designed for both everyday living and entertaining, showcasing a center island with a gas cooktop, quartz countertops, stainless steel appliances, and a sun-filled bay window breakfast area with access to the deck. The kitchen flows seamlessly into the inviting family room, highlighted by a cozy gas fireplace and sliding door to the shaded deck overlooking the backyard. Upstairs, the spacious primary suite offers two walk-in closets and a luxurious en suite bath with a dual vanity, soaking tub, and separate shower. Three additional bedrooms, a full hall bath, and a conveniently located laundry room complete the upper level. The walkout lower level expands your living space with a spacious recreation room featuring a wet bar, a private bedroom, a versatile bonus room ideal for a home office, gym, or hobby room, a full bath, and abundant storage. Ideally located near major commuter routes, shopping, dining, parks, and entertainment, this exceptional home combines generous living space with the convenience of vibrant Columbia, without the added association fees.

Getting Around

14
WalkingCar-Dependent
20
TransitMinimal Transit
25
BikeSomewhat Bikeable

Schools

6/10
6/10
6/10
Wilde Lake High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1992

Materials

  • Foundation: Other
  • Construction materials: Frame,Brick Front

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Washer,Cooktop,Dishwasher,Disposal,Microwave,Refrigerator,Ice Maker,Oven,Gas Water Heater
  • Laundry features: Has Laundry,Upper Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access,Windows,Connecting Stairway,Partial,Interior Entry,Exterior Entry,Rear Entrance

Bedroom2

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 374
  • Dimensions: 17 X 22

Bedroom3

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 130
  • Dimensions: 10 X 13

Bedroom4

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 120
  • Dimensions: 10 X 12

Bedroom5

  • Features: Flooring - Carpet
  • Level: Lower
  • Area: 192
  • Dimensions: 12 X 16

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Bonus Room

  • Features: Flooring - Carpet
  • Level: Lower
  • Area: 144
  • Dimensions: 12 X 12

Breakfast Room

  • Features: Flooring - Ceramic Tile
  • Level: Main
  • Area: 110
  • Dimensions: 10 X 11

Dining Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 120
  • Dimensions: 10 X 12

Family Room

  • Features: Flooring - HardWood,Fireplace - Gas
  • Level: Main
  • Area: 285
  • Dimensions: 15 X 19

Features

  • Breakfast Area,Crown Molding,Dining Area,Formal/Separate Dining Room,Eat-in Kitchen,Kitchen Island,Kitchen - Table Space,Primary Bath(s),Recessed Lighting,Walk-In Closet(s),2 Story Ceilings,Cathedral Ceiling(s),Dry Wall,High Ceilings,Vaulted Ceiling(s)
  • Door features: Atrium,Six Panel
  • Window features: Double Hung,Double Pane Windows,Screens,Vinyl Clad
  • Flooring: Hardwood,Carpet,Ceramic Tile,Concrete,Wood
  • Number of fireplaces: 2
  • Fireplace features: Glass Doors,Mantel(s),Wood Burning,Gas/Propane
  • Fireplace: Yes
  • Finished area below ground: 981
  • Finished area above ground: 2,750

Foyer

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 66
  • Dimensions: 6 X 11

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 4,058
  • Total interior livable area: 3,731 sqft

Kitchen

  • Features: Flooring - Ceramic Tile,Countertop(s) - Quartz,Breakfast Nook,Breakfast Room,Kitchen Island,Kitchen - Gas Cooking
  • Level: Main
  • Area: 340
  • Dimensions: 17 X 20

Laundry

  • Level: Upper
  • Area: 30
  • Dimensions: 5 X 6

Living Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 391
  • Dimensions: 17 X 23

Primary Bedroom

  • Features: Cathedral/Vaulted Ceiling,Attached Bathroom,Walk-In Closet(s),Flooring - Carpet
  • Level: Upper
  • Area: 272
  • Dimensions: 16 X 17

Recreation Room

  • Features: Flooring - Carpet,Wet Bar
  • Level: Lower
  • Area: 588
  • Dimensions: 21 X 28

Storage Room

  • Level: Lower
  • Area: 180
  • Dimensions: 12 X 15

Utility Room

  • Features: Flooring - Concrete
  • Level: Lower
  • Area: 121
  • Dimensions: 11 X 11

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 1405412390
  • Zoning: RSC
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: Lighting
  • Has view: Yes
  • View description: Garden,Trees/Woods

Lot

  • Lot size: 7,448 sqft
  • Features: Backs to Trees,Front Yard,Landscaped,Rear Yard,SideYard(s)

Parking

  • Total spaces: 6
  • Parking features: Garage Faces Front,Concrete,Attached,On Street,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Heat Wave

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,044$48,528
Home Insurance *$188$2,256
Property Taxes $698$8,376
Electricity $475$5,704
Total$5,405$64,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$185,314/yr
40% on housing$162,150/yr
45% on housing$144,133/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$214This listing

vs Other Active Listings

Avg $/sqft

ZIP 21044$215
Howard County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 21044$245
Howard County$271

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$799,900
2026-07-30Listed for sale$799,900
2026-07-16Listing removed$825,000
2026-06-26Listed for sale$825,000
2023-07-24Sold$740,000
2023-06-25Pending sale$699,900
2023-06-22Price change$699,900
2023-06-08Listed for sale$789,900

For Sale by Agent

AgentBilly Martin
BrokerageNorthrop Realty

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