4700 Pratchett Ln, Ellicott City, MD 21042 Property Records

Howard County property record for 4700 Pratchett Ln, Ellicott City, MD 21042

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 4,612 sqft · built 2025
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,485,159 (Feb 2026)
Tax Bill	$19,295 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-604334`

Property Details

APN / Parcel Number

Primary APN	`03-604334`
Alternative APN	`604334`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,612 sqft Total Area
Basement Area	1,597 sqft
Finished Basement	1,597 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Attached
Garage Area	484 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	604334
Street Address	4700 PRATCHETT LN
City	ELLICOTT CITY
State	MD
Zip	21042-1888
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 384, 7,000 SQ F 4700 PRATCHETT LN WESTMOUNT PH 4 RSB PAR
Legal Subdivision	WESTMOUNT
Legal Phase	4
Legal Lot Number	384
Jurisdiction	HOWARD MD
Township / Civil Division	2, ELLICOTT CITY
Census Block Group	3
Census Block	3002
Census Tract	602303

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Doughoregan Manor listed 1971 · 3 contributing resources · National Historic Landmark (designated 1971) · NRIS 71000376

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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 Individual Names on Record
Mailing Address	4700 PRATCHETT LN, ELLICOTT CITY, MD 21042-1888
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage TD BANK
Feb 12, 2026	Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2026 · Amount on Record
Deed Sale	Feb 12, 2026 · Amount on Record
Prior Sale	Sep 2, 2025 · Amount on Record
Deed Book / Page	23111 / 129
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Recording Date	Apr 2, 2026
Property Address	4700 PRATCHETT LN, ELLICOTT CITY, MD 21042-1888
Document Number	2317000331
Book / Page	23175 / 331
Instrument Date	Mar 6, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BLACK OAK TITLE LLC, BLACK OAK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4700 PRATCHETT LN, ELLICOTT CITY, MD 21042-1888

Mortgage

Document Number	2317000331,
Date	Apr 2, 2026
Book Page	23175/331

Lender

Name	TD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Feb 12, 2026
Property Address	4700 PRATCHETT LN, ELLICOTT CITY, MD 21042-1888
Document Number	0231110129
Book / Page	23111 / 129
Map Reference	PL 26122-26132
Instrument Date	Jan 23, 2026
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	NVR SETTLEMENT SERVICES/MD INC, NVR STLMT SVCS OF MD INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,425.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7080 SAMUEL MORSE DR STE 100, 100, COLUMBIA, MD 21046-3464

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4700 PRATCHETT LN, ELLICOTT CITY, MD 21042-1888

Mortgage

Document Number	0023111136
Date	Feb 12, 2026
Instrument	23111/136

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.5%

Tax Assessment & Valuation

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	$19,295.00 (+323.23%)	$1,304,067 (+310.95%)	$1,424,700 (+244.13%) Land $439,000 Building $985,700
2025	$4,559.00 (+17.99%)	$317,333	$414,000 Land $414,000
2024	$3,864.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2009 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 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

Cell Coverage

5G (outdoors only) and 4G LTE

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