




10728 Cottonwood Way, Columbia, MD, 21044
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
Schools
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
- Strong Wind
- Winter Weather
- Heat Wave
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,044 | $48,528 |
| Home Insurance * | $188 | $2,256 |
| Property Taxes | $698 | $8,376 |
| Electricity | $475 | $5,704 |
| Total | $5,405 | $64,860 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Pending sale | $799,900 |
| 2026-07-30 | Listed for sale | $799,900 |
| 2026-07-16 | Listing removed | $825,000 |
| 2026-06-26 | Listed for sale | $825,000 |
| 2023-07-24 | Sold | $740,000 |
| 2023-06-25 | Pending sale | $699,900 |
| 2023-06-22 | Price change | $699,900 |
| 2023-06-08 | Listed for sale | $789,900 |
