Howard County property record for 4045 High Point Rd, Ellicott City, MD 21042
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,249 sqft · built 1957 |
| Lot Size | 0.487 acres (21,213 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $360,000 (Jan 2018) |
| Tax Bill | $6,747 (2026) |
| Deeds & Mortgages | Jan 2022 Line of Credit Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-236613 |
| Primary APN | 02-236613 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,249 sqft Total Area |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 21,213 sqft (0.487 acres) |
| Garage Type | Attached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 238 sqft |
| Deck Area | 258 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 236613 |
|---|---|
| Street Address | 4045 HIGH POINT RD |
| City | ELLICOTT CITY |
| State | MD |
| Zip | 21042-5317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 3 21,213 SQ' 4045 HIGH POINT ROAD HIGHVIEW ESTATES |
| Legal Subdivision | HIGH POINT ROAD HIGHVIEW ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 2, ELLICOTT CITY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 602306 |
4045 High Point Rd is owned and occupied by two individuals who bought it in January 2018.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4045 HIGH POINT RD, ELLICOTT CITY, MD 21042-5317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 31, 2022 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Jan 16, 2018 | Grant Deed, Transfer · Conventional with PMI APEX HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2018 · Amount on File |
| Deed Sale | Jan 16, 2018 · Amount on File |
| Prior Sale | May 10, 2006 |
| Deed Document Number | 201810-392 |
| Transfer Doc | 0000009705 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 4045 HIGH POINT RD, ELLICOTT CITY, MD 21042-5317 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0213050169 |
|---|---|
| Date | Jan 31, 2022 |
| Book Page | 21305/169 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jan 16, 2018 |
| Property Address | 4045 HIGH POINT RD, ELLICOTT CITY, MD 21042-5317 |
| Document Number | 0180100392 |
| Book / Page | 018010 / 000392 |
| Instrument Date | Dec 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2018 |
| Title Company | GREATER MARYLAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4045 HIGH POINT RD ELLICOTT CITY MD 210425317, ELLICOTT CITY, MD 21042-5317 |
| Document Number | 180100401 |
|---|---|
| Date | Jan 16, 2018 |
| Book Page | 018010/000401 |
| Name | APEX HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | ROCKVILLE, MD 20852 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 15, 2048 |
| Document Number | 180100417, |
|---|---|
| Date | Jan 16, 2018 |
| Book Page | 018010/000417 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COLUMBIA, MD 21046 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 4045 High Point Rd was $6,747 with a homeowner's exemption, up 4.3% 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 | $6,747.00 (+4.31%) Homeowner's exemption | $430,100 (+4.96%) Land $220,100 Building $210,000 | $430,100 (-) Land $220,100 Building $210,000 |
| 2025 | $6,468.00 Homeowner's exemption | $409,767 | $430,100 Land $220,100 Building $210,000 |
| 2023 | $369,100 Land $210,100 Building $159,000 | $369,100 Land $210,100 Building $159,000 | |
| 2022 | $4,059.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4045 High Point Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.
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 16 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 7 (1979–2024) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | Jan 2024 · other causes |
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 4045 High Point Rd 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 94% of the US · lower than 87% 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 207 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 |
| AT&T Fixed Wireless | 100 / 20 |
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