4630 Learned Sage, Ellicott City, MD 21042 Property Records

Howard County property record for 4630 Learned Sage, Ellicott City, MD 21042

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,502 sqft · built 1987
Lot Size	0.052 acres (2,295 sqft)
Owner	Individual Name on File
Last Sale	$106,500 (Jun 1987)
Tax Bill	$6,524 (2026)
Deeds & Mortgages	Jul 2023 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-308398`

Property Details

APN / Parcel Number

Primary APN	`02-308398`
Alternative APNs	`2308398` `308398`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,502 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,295 sqft (0.052 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	308398
Street Address	4630 LEARNED SAGE
City	ELLICOTT CITY
State	MD
Zip	21042-7904
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RSC
Legal Description	LOT C-26 .0527 A 4630 LEARNED SAGE DORSEY HALL S 2 AR 2
Legal Subdivision	DORSEY HALL SEC 02
Legal Lot Number	C 26
Jurisdiction	HOWARD MD
Township / Civil Division	2, ELLICOTT CITY
Census Block Group	2
Census Block	2011
Census Tract	602305

Owner

4630 Learned Sage, a townhouse, is owned and occupied by an individual who bought it in June 1987.

Source: Howard County records, as of September 4, 2026

Owner of Record	Individual Name on File
Mailing Address	4630 LEARNED SAGE, ELLICOTT CITY, MD 21042-7904
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 1987 · Amount on File
Deed Sale	Jun 19, 1987 · Amount on File
Prior Sale	Nov 12, 1986 · Amount on File
Deed Book / Page	1675 / 123
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	4630 LEARNED SAGE, ELLICOTT CITY, MD 21042-7904
Transaction Type	Mortgage
Record Updated	Jul 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4630 LEARNED SAGE, ELLICOTT CITY, MD 21042-7904

Mortgage

Document Number	0220430277
Date	Jul 17, 2023
Book Page	22043/277

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	854 Months
Due	Sep 22, 2094

Interest

Rate Type	Adjustable Rate
Rate	7.73%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.7%

Tax Assessment & Valuation

The 2026 property tax bill for 4630 Learned Sage was $6,524 with a homeowner's exemption, up 4.3% from the year before.

Source: Howard County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Howard County
Unified School District	Howard County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,524.00 (+4.27%) Homeowner's exemption	$429,367 (+5.33%)	$451,100 (-) Land $225,000 Building $226,100
2025	$6,257.00 Homeowner's exemption	$407,633	$451,100 Land $225,000 Building $226,100
2023		$369,667	$385,900 Land $180,000 Building $205,900
2022	$3,979.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4630 Learned Sage in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2018

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

Wildfire risk around 4630 Learned Sage 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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 358 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	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20