Howard County property record for 4524 Rusty Gate, Ellicott City, MD 21043
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,396 sqft · built 1989 |
| Lot Size | 0.149 acres (6,490 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $210,100 (Oct 1989) |
| Tax Bill | $8,446 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-330644 |
| Primary APN | 02-330644 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,396 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,490 sqft (0.149 acres) |
| Garage Type | Mixed |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 44 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 330644 |
|---|---|
| Street Address | 4524 RUSTY GATE |
| City | ELLICOTT CITY |
| State | MD |
| Zip | 21043-6565 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC |
| Legal Description | LOT 302 .149 A 4524 RUSTY GATE LONG GATE S 2 AR 3 |
| Legal Subdivision | LONG GATE SEC 02 |
| Legal Lot Number | 302 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 2, ELLICOTT CITY |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 602302 |
4524 Rusty Gate is owner-occupied and held in a trust since November 2024.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4524 RUSTY GATE, ELLICOTT CITY, MD 21043-6565 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 1989 · Amount on File |
| Deed Sale | Oct 16, 1989 · Amount on File |
| Prior Sale | Aug 15, 1989 · Amount on File |
| Deed Book / Page | 2070 / 483 |
| Last Transfer Date | Nov 15, 2024 |
| Transfer Doc | 0225680046 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 4524 Rusty Gate was $8,446 with a homeowner's exemption, down 1.2% 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 | $8,446.00 (-1.2%) Homeowner's exemption | $628,100 (+7.05%) Land $286,700 Building $341,400 | $628,100 (-) Land $286,700 Building $341,400 |
| 2025 | $8,549.00 (+5.02%) Homeowner's exemption | $586,733 | $628,100 Land $286,700 Building $341,400 |
| 2024 | $8,140.00 | ||
| 2023 | $504,000 Land $246,700 Building $257,300 | $504,000 Land $246,700 Building $257,300 | |
| 2022 | $5,604.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4524 Rusty Gate in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2024 · rainfall accumulation |
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.
The area around 4524 Rusty Gate has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 258 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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