Howard County property record for 5115 Thunder Hill Rd, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 982 sqft · built 1970 |
| Lot Size | 0.16 acres (6,958 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Apr 2021) |
| Tax Bill | $6,770 (2026) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-105457 |
| Primary APN | 16-105457 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 982 sqft Total Area |
| Basement Area | 470 sqft |
| Finished Basement | 470 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,958 sqft (0.16 acres) |
| Garage Type | Basement |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 105457 |
|---|---|
| Street Address | 5115 THUNDER HILL RD |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-1910 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 23 6,958 SQ' 5115 THUNDER HILL RD VIL OAKLAND MILLS S1 A1 |
| Legal Subdivision | VILLAGE OAKLAND MILLS |
| Legal Lot Number | 23 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 606601 |
5115 Thunder Hill Rd is owned and occupied by two individuals who bought it in April 2021.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5115 THUNDER HILL RD, COLUMBIA, MD 21045-1910 |
| 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.
| Date | Document |
|---|---|
| Jan 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage HOMESPIRE MORTGAGE CORP |
| Apr 21, 2021 | Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP |
| Sep 26, 2017 | Grant Deed, Transfer NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2021 · Amount on File |
| Deed Sale | Apr 21, 2021 · Amount on File |
| Prior Sale | Sep 26, 2017 · Amount on File |
| Deed Book / Page | 20470 / 350 |
| Transfer Doc | 0053000659 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5115 THUNDER HILL RD, COLUMBIA, MD 21045-1910 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | NEIGHBORHOOD SETTLEMENT LLC |
| Name | Verified Name |
|---|---|
| Address | 5115 THUNDER HILL RD, COLUMBIA, MD 21045-1910 |
| Document Number | 0212670265 |
|---|---|
| Date | Jan 14, 2022 |
| Book Page | 21267/265 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20878 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 21, 2021 |
| Property Address | 5115 THUNDER HILL RD, COLUMBIA, MD 21045-1910 |
| Document Number | 0204700350 |
| Book / Page | 20470 / 350 |
| Map Reference | MB 15 FO 44 |
| Instrument Date | Mar 31, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2021 |
| Title Company | KTL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5115 THUNDER HILL RD, COLUMBIA, MD 21045-1910 |
| Document Number | 20470357 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 20470/357 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 26, 2017 |
| Property Address | 5115 THUNDER HILL RD, COLUMBIA, MD 21045-1910 |
| Document Number | 0178260076 |
| Book / Page | 017826 / 000076 |
| Instrument Date | Sep 22, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2017 |
| Title Company | LAKESIDE TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $328.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5115 THUNDER HILL RD COLUMBIA MD 210451910, COLUMBIA, MD 21045-1910 |
| Document Number | 178260084 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 017826/000084 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 25, 2047 |
The 2026 property tax bill for 5115 Thunder Hill Rd was $6,770, up 7.9% from the year before.
Source: Howard County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Howard County |
| Unified School District | Howard County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,770.00 (+7.87%) | $434,400 (+8.18%) Land $188,800 Building $245,600 | $434,400 (-) Land $188,800 Building $245,600 |
| 2025 | $6,276.00 (+8.15%) | $401,567 | $434,400 Land $188,800 Building $245,600 |
| 2024 | $5,803.00 | ||
| 2023 | $335,900 Land $168,800 Building $167,100 | $335,900 Land $168,800 Building $167,100 | |
| 2022 | $3,694.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5115 Thunder Hill Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 | 7 in force |
| Nearby Flood Claims | 1 (2016) |
| Most Recent Claim | Jul 2016 · Severe Storm And Flooding |
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 risk around 5115 Thunder Hill 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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