5078 Whetstone Rd, Columbia, MD 21044 Property Records

Howard County property record for 5078 Whetstone Rd, Columbia, MD 21044

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,851 sqft · built 1968
Lot Size	0.316 acres (13,760 sqft)
Owner	2 Trust Names on File
Last Sale	$217,000 (Jun 2001)
Tax Bill	$616 (2026)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`15-034637`

Property Details

APN / Parcel Number

Primary APN	`15-034637`
Alternative APN	`034637`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,851 sqft Total Area
Basement Area	280 sqft
Finished Basement	280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,760 sqft (0.316 acres)
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	176 sqft
Deck Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	034637
Street Address	5078 WHETSTONE RD
City	COLUMBIA
State	MD
Zip	21044-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT 47 S 9 AR 4 5078 WHETSTONE RD VWL RUNNING BROOK
Legal Subdivision	VWL RUN
Legal Lot Number	47
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	4
Census Block	4007
Census Tract	605401

Owner

5078 Whetstone Rd is owner-occupied and held in a trust since June 2001.

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

Owner of Record	2 Trust Names on File
Mailing Address	5078 WHETSTONE RD, COLUMBIA, MD 21044-1542
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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	2 Names on Deed
Last Sale	Jun 25, 2001 · Amount on File
Deed Sale	Jun 25, 2001 · Amount on File
Prior Sale	May 11, 2001
Deed Document Number	20014600
Deed Book / Page	5542 / 25
Transfer Doc	0000004599
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5078 WHETSTONE RD, COLUMBIA, MD 21044-1542
Transaction Type	Mortgage
Record Updated	Feb 3, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0212880326
Date	Jan 25, 2022
Book Page	21288/326

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 5078 Whetstone Rd was $616 with a homeowner's exemption.

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	$616.00 Homeowner's exemption	$516,000 (+6.46%)	$547,300 (-) Land $291,300 Building $256,000
2025	$616.00 Homeowner's exemption	$484,700	$547,300 Land $291,300 Building $256,000
2023		$424,400	$453,400 Land $246,300 Building $207,100
2022	$4,452.00

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

Flood

FEMA maps place 5078 Whetstone Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 31, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 5078 Whetstone Rd 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 97% of the US · lower than 94% 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 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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