Howard County property record for 3630 Underoak Dr, Ellicott City, MD 21042
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,806 sqft · built 1970 |
| Lot Size | 0.548 acres (23,870 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Aug 1982) |
| Tax Bill | $6,809 (2026) |
| Deeds & Mortgages | Feb 2024 Second Mortgage Sep 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-237954 |
| Primary APN | 02-237954 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,806 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 23,870 sqft (0.548 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 237954 |
|---|---|
| Street Address | 3630 UNDEROAK DR |
| City | ELLICOTT CITY |
| State | MD |
| Zip | 21042-3929 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | 23,870 SQ' 3630 UNDEROAK DR GRAY ROCK |
| Legal Subdivision | GRAY ROCK |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 2, ELLICOTT CITY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 602306 |
3630 Underoak Dr is owned and occupied by an individual who bought it in August 1982.
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 | Individual Name on File |
|---|---|
| Mailing Address | 3630 UNDEROAK DR, ELLICOTT CITY, MD 21042-3929 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Sep 14, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 1982 · Amount on File |
| Deed Sale | Aug 25, 1982 · Amount on File |
| Deed Book / Page | 1115 / 580 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 3630 UNDEROAK DR, ELLICOTT CITY, MD 21042-3929 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0222550026 |
|---|---|
| Date | Feb 8, 2024 |
| Book Page | 22255/26 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 175 Months |
| Due | Sep 1, 2038 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 14, 2023 |
| Property Address | 3630 UNDEROAK DR, ELLICOTT CITY, MD 21042-3929 |
| Document Number | 0221140101 |
| Book / Page | 22114 / 101 |
| Map Reference | MB 5 FO 79 |
| Instrument Date | Aug 25, 2023 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3630 UNDEROAK DR, ELLICOTT CITY, MD 21042-3929 |
The 2026 property tax bill for 3630 Underoak Dr was $6,809 with a homeowner's exemption, up 4.2% from the year before.
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 | $6,809.00 (+4.18%) Homeowner's exemption | $435,700 (+5.01%) Land $221,400 Building $214,300 | $435,700 (-) Land $221,400 Building $214,300 |
| 2025 | $6,536.00 (+4.56%) Homeowner's exemption | $414,900 | $435,700 Land $221,400 Building $214,300 |
| 2024 | $6,251.00 | ||
| 2023 | $373,300 Land $211,400 Building $161,900 | $373,300 Land $211,400 Building $161,900 | |
| 2022 | $4,108.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3630 Underoak Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2011.
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 |
| Flood Insurance Cost | Premium on File median of 15 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 29 units insured incl. 14 condo units |
| Nearby Flood Claims | 7 (2011–2018) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | May 2018 · Severe Storm And Flooding |
| Claims by Event |
|
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 risk around 3630 Underoak Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% 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 160 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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