Howard County property record for 5244 Waterloo Rd, Ellicott City, MD 21043
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,033 sqft · built 1938 |
| Lot Size | 0.336 acres (14,636 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Sep 2019) |
| Tax Bill | $5,680 (2026) |
| Deeds & Mortgages | Sep 2019 Sale Feb 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-238349 |
| Primary APN | 02-238349 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,033 sqft Total Area |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 14,636 sqft (0.336 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 161 sqft |
| Shed | 1 Shed |
| Shed Area | 400 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 238349 |
|---|---|
| Street Address | 5244 WATERLOO RD |
| City | ELLICOTT CITY |
| State | MD |
| Zip | 21043-6925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | 1 LOT .336 ACRE 5244 WATERLOO RD |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 2, ELLICOTT CITY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 602302 |
Source: Howard County records, as of September 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5244 WATERLOO RD, ELLICOTT CITY, MD 21043-6925 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 4, 2019 | Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Feb 21, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2019 · Amount on Record |
| Deed Sale | Sep 4, 2019 · Amount on Record |
| Prior Sale | Jan 22, 2001 · Amount on Record |
| Deed Book / Page | 18865 / 381 |
| Prior Transfer Date | Oct 19, 2007 |
| Prior Transfer Doc | 0109770665 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 4, 2019 |
| Property Address | 5244 WATERLOO RD, ELLICOTT CITY, MD 21043-6925 |
| Document Number | 0188650381 |
| Book / Page | 018865 / 000381 |
| Instrument Date | Aug 23, 2019 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Tax | $235.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8360 OLD MONTGOMERY RD COLUMBIA MD 210452640, COLUMBIA, MD 21045-2640 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 21, 2017 |
| Property Address | 5244 WATERLOO RD, ELLICOTT CITY, MD 21043-6925 |
| Document Number | 0174530071 |
| Book / Page | 017453 / 000071 |
| Instrument Date | Feb 21, 2017 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5244 WATERLOO RD ELLICOTT CITY MD 210436925, ELLICOTT CITY, MD 21043-6925 |
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 | $5,680.00 (+4.09%) Homeowner's exemption | $351,200 (+4.24%) Land $216,800 Building $134,400 | $351,200 (-) Land $216,800 Building $134,400 |
| 2025 | $5,457.00 (+3.92%) Homeowner's exemption | $336,900 (+9.28%) | $351,200 (+13.92%) Land $216,800 Building $134,400 |
| 2024 | $5,251.00 (+63.43%) | ||
| 2023 | $308,300 Land $206,800 Building $101,500 | $308,300 Land $206,800 Building $101,500 | |
| 2022 | $3,213.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 4 (1979–2026) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Jul 2026 · 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.
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.
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 283 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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