5038 Whetstone Rd, Columbia, MD 21044 Property Records

Howard County property record for 5038 Whetstone Rd, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,715 sqft · built 1973
Lot Size	0.288 acres (12,545 sqft)
Owner	2 Individual Names on Record
Last Sale	$396,000 (Jun 2017)
Tax Bill	$7,705 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-040181`

Property Details

APN / Parcel Number

Primary APN	`15-040181`
Alternative APN	`040181`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,715 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,545 sqft (0.288 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	040181
Street Address	5038 WHETSTONE RD
City	COLUMBIA
State	MD
Zip	21044-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT 30 S 9 AR 3 5038 WHETSTONE RD VWL RUNNING BROOK
Legal Subdivision	VWL RUN
Legal Lot Number	30
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	4
Census Block	4007
Census Tract	605401

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	5038 WHETSTONE RD, COLUMBIA, MD 21044-1530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 13, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Jun 20, 2017	Grant Deed, Transfer · Conventional Mortgage PHH HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2017 · Amount on Record
Deed Sale	Jun 20, 2017 · Amount on Record
Prior Sale	Apr 11, 2008
Deed Document Number	2017653-172
Deed Book / Page	17653 / 172
Prior Transfer Date	Mar 10, 2008
Prior Transfer Doc	0111670668
Record Updated	Oct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD MD
Recording Date	Jan 31, 2022
Property Address	5038 WHETSTONE RD, COLUMBIA, MD 21044-1530
Document Number	0213050481
Book / Page	21305 / 481
Map Reference	MB 13 FO 27
Instrument Date	Jul 22, 2021
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	2020 TITLE LLC, 20 20 TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5038 WHETSTONE RD, COLUMBIA, MD 21044-1530

Mortgage

Document Number	0021305485
Date	Jan 31, 2022
Instrument	21305/485

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Aug 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5038 WHETSTONE RD, COLUMBIA, MD 21044-1530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5038 WHETSTONE RD, COLUMBIA, MD 21044-1530

Mortgage

Document Number	0197680001
Date	Sep 30, 2020
Book Page	19768/1

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Jul 1, 2040

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5038 WHETSTONE RD, COLUMBIA, MD 21044-1530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180860433
Date	Mar 13, 2018
Book Page	18086/433

Lender

Name	SUNTRUST BANK
Type	Bank
Address	BALTIMORE, MD 21202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Jun 20, 2017
Property Address	5038 WHETSTONE RD, COLUMBIA, MD 21044-1530
Document Number	0176530172
Book / Page	017653 / 000172
Instrument Date	Jun 15, 2017
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	5038 WHETSTONE RD COLUMBIA MD 210441530, COLUMBIA, MD 21044-1530

Mortgage

Document Number	176530177
Date	Jun 20, 2017
Book Page	017653/000177

Lender

Name	PHH HM LNS
Type	Funding / Finance Company
Address	VIENNA, VA 22182

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2047

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	$7,705.00 (-1.38%) Homeowner's exemption	$562,500 (+6.57%)	$597,200 (-) Land $288,900 Building $308,300
2025	$7,813.00 (+4.84%) Homeowner's exemption	$527,800 (+13.51%)	$597,200 (+21.11%) Land $288,900 Building $308,300
2024	$7,452.00 (+51.53%)
2023		$464,967	$493,100 Land $243,900 Building $249,200
2022	$4,918.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	26 units insured incl. 13 condo units
Nearby Flood Claims	2 (1997–2014)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2014 · 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

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	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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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