Howard County property record for 2805 Montclair Dr, Ellicott City, MD 21043
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,722 sqft · built 1958 |
| Lot Size | 0.467 acres (20,342 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $683,000 (Jun 2025) |
| Tax Bill | $8,974 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-238896 |
| Primary APN | 02-238896 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,722 sqft Total Area |
| Basement Area | 1,200 sqft |
| Finished Basement | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Construction Type | Frame |
| Lot Area | 20,342 sqft (0.467 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 364 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 238896 |
|---|---|
| Street Address | 2805 MONTCLAIR DR |
| City | ELLICOTT CITY |
| State | MD |
| Zip | 21043-3423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 9 20,342 SQ' 2805 MONTCLAIR DR CHESTNUT HILL EST BL E |
| Legal Subdivision | CHESTNUT HILL ESTATES |
| Legal Block | E |
| Legal Lot Number | 9 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 2, ELLICOTT CITY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 602600 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Howard County records, as of September 4, 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 | 2805 MONTCLAIR DR, ELLICOTT CITY, MD 21043-3423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIRST HOME MORTGAGE CORPORATION |
| Jun 19, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2025 · Amount on Record |
| Deed Sale | Jun 3, 2025 · Amount on Record |
| Prior Sale | Oct 28, 2015 · Amount on Record |
| Deed Book / Page | 22783 / 243 |
| Prior Transfer Date | Jan 29, 2025 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 8, 2026 |
| Property Address | 2805 MONTCLAIR DR, ELLICOTT CITY, MD 21043-3423 |
| Document Number | 2318000001 |
| Book / Page | 23180 / 1 |
| Instrument Date | Mar 23, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LEGACY SETTLEMENT SERVICES LLC, LEGACY SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 2805 MONTCLAIR DR, ELLICOTT CITY, MD 21043-3423 |
| Document Number | 2318000001, |
|---|---|
| Date | Apr 8, 2026 |
| Book Page | 23180/1 |
| Name | FIRST HOME MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 2805 MONTCLAIR DR, ELLICOTT CITY, MD 21043-3423 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0194470418 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 19447/418 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 307 Months |
| Due | Jan 1, 2046 |
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 | $8,974.00 (+4.58%) Homeowner's exemption | $585,433 (+5.6%) | $616,500 (-) Land $264,600 Building $351,900 |
| 2025 | $8,581.00 (+5.5%) Homeowner's exemption | $554,367 (+10.93%) | $616,500 (+17.81%) Land $264,600 Building $351,900 |
| 2024 | $8,134.00 (+51.7%) | ||
| 2023 | $499,767 | $523,300 Land $239,600 Building $283,700 | |
| 2022 | $5,362.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 6 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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 108 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures