Howard County property record for 4532 Rusty Gate, Ellicott City, MD 21043
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 1,766 sqft · built 1989 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $515,000 (Aug 2007) |
| Tax Bill | $7,870 (2026) |
| Deeds & Mortgages | Apr 2019 Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-330628 |
| Primary APN | 02-330628 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,766 sqft Total Area |
| Basement Area | 420 sqft |
| Finished Basement | 420 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,011 sqft (0.138 acres) |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 22 sqft |
| Deck Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 330628 |
|---|---|
| Street Address | 4532 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 300 .138 A 4532 RUSTY GATE LONG GATE S 2 AR 3 |
| Legal Subdivision | LONG GATE SEC 02 |
| Legal Lot Number | 300 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 2, ELLICOTT CITY |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 602302 |
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 | 2 Trust Names on Record |
|---|---|
| Mailing Address | 4532 RUSTY GATE, ELLICOTT CITY, MD 21043-6565 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2007 · Amount on Record |
| Deed Sale | Aug 20, 2007 · Amount on Record |
| Prior Sale | Oct 2, 1996 · Amount on Record |
| Deed Document Number | 200786901 |
| Deed Book / Page | 10849 / 586 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 4532 RUSTY GATE, ELLICOTT CITY, MD 21043-6565 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0186270346 |
|---|---|
| Date | Apr 17, 2019 |
| Book Page | 18627/346 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 4532 RUSTY GATE, ELLICOTT CITY, MD 21043-6565 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 4532 RUSTY GATE, ELLICOTT CITY, MD 21043-6565 |
| Document Number | 0212120250 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 21212/250 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 111 Months |
| Due | Mar 1, 2031 |
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 | $7,870.00 (-0.84%) Homeowner's exemption | $578,100 (+6.92%) Land $284,500 Building $293,600 | $578,100 (-) Land $284,500 Building $293,600 |
| 2025 | $7,937.00 (+53.05%) Homeowner's exemption | $540,667 (+16.07%) | $578,100 (+24.11%) Land $284,500 Building $293,600 |
| 2023 | $465,800 Land $244,500 Building $221,300 | $465,800 Land $244,500 Building $221,300 | |
| 2022 | $5,186.00 |
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 |
| Flood Insurance Cost | Premium on Record 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.
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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