5054 Whetstone Rd, Columbia, MD 21044 Property Records

Howard County property record for 5054 Whetstone Rd, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,393 sqft · built 1973
Lot Size	0.305 acres (13,285 sqft)
Owner	2 Individual Names on File
Last Sale	$760,000 (Aug 2024)
Tax Bill	$8,688 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-023511`

Property Details

APN / Parcel Number

Primary APN	`15-023511`
Alternative APN	`023511`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,393 sqft Total Area
Basement Area	535 sqft
Finished Basement	535 sqft
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	13,285 sqft (0.305 acres)
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space
Deck Area	744 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	023511
Street Address	5054 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 53 S 9 AR 4 5054 WHETSTONE RD VWL RUNNG BRK
Legal Subdivision	VWL RUN
Legal Lot Number	53
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 File
Mailing Address	5054 WHETSTONE RD, COLUMBIA, MD 21044-1530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Feb 21, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Oct 23, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Jul 20, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2024 · Amount on File
Deed Sale	Aug 16, 2024 · Amount on File
Prior Sale	Jun 1, 1983 · Amount on File
Deed Book / Page	22453 / 143
Transfer Doc	0000003462
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5054 WHETSTONE RD, COLUMBIA, MD 21044-1530
Transaction Type	Mortgage
Record Updated	Dec 30, 2025
Title Company	AVENUE 365 LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5054 WHETSTONE RD, COLUMBIA, MD 21044-1530

Mortgage

Document Number	0230390010
Date	Dec 16, 2025
Book Page	23039/10

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	337 Months
Due	Jan 1, 2054

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5054 WHETSTONE RD, COLUMBIA, MD 21044-1530
Transaction Type	Mortgage
Record Updated	Mar 5, 2024
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5054 WHETSTONE RD, COLUMBIA, MD 21044-1530

Mortgage

Document Number	0222640423
Date	Feb 21, 2024
Book Page	22264/423

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5054 WHETSTONE RD, COLUMBIA, MD 21044-1530
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0198540147
Date	Oct 23, 2020
Book Page	19854/147

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	353 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5054 WHETSTONE RD, COLUMBIA, MD 21044-1530
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	FOUR SEASONS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6054 WHETSTONE ROAD, COLUMBIA, MD 21044

Mortgage

Document Number	0202980441
Date	Mar 8, 2021
Book Page	20298/441

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	299 Months
Due	Feb 1, 2046

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5054 WHETSTONE RD, COLUMBIA, MD 21044-1530
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0209330436
Date	Sep 22, 2021
Book Page	20933/436

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD MD
Recording Date	Jul 20, 2022
Property Address	5054 WHETSTONE RD, COLUMBIA, MD 21044-1530
Document Number	0216300075
Book / Page	21630 / 75
Map Reference	MB 13 FO 41
Instrument Date	Apr 8, 2022
Transaction Type	Transfer
Record Updated	Jul 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5054 WHETSTONE RD, COLUMBIA, MD 21044-1530

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	$8,688.00 (+0.71%) Homeowner's exemption	$619,067 (+11.04%)	$680,600 (-) Land $291,100 Building $389,500
2025	$8,627.00 (+15.49%) Homeowner's exemption	$557,533 (+19.33%)	$680,600 (+37.22%) Land $291,100 Building $389,500
2024	$7,470.00 (+51.34%)
2023		$467,200	$496,000 Land $246,100 Building $249,900
2022	$4,936.00

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 File 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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