Howard County property record for 5266 Waterloo Rd, Ellicott City, MD 21043
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,722 sqft · built 1928 |
| Lot Size | 0.916 acres (39,901 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Mar 2020) |
| Tax Bill | $4,810 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Dec 2020 Sale & Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-237318 |
| Primary APN | 02-237318 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,722 sqft Total Area |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 39,901 sqft (0.916 acres) |
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 40 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 237318 |
|---|---|
| Street Address | 5266 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 | LOT 3 0.916 A. 5266 WATERLOO RD GLADYS WOODS |
| Legal Subdivision | VILLAGE MONTGOMERY RUN 02 |
| Legal Lot Number | 3 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 2, ELLICOTT CITY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 602302 |
Source: Howard County assessment roll, as of August 4, 2025
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 File |
|---|---|
| Mailing Address | 5266 WATERLOO RD, ELLICOTT CITY, MD 21043-6925 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2021 | Deed of Trust, Mortgage · Closed-End Mortgage THE JOHNS HOPKINS FCU |
| Dec 17, 2020 | Grant Deed, Construction Loan · Construction Mortgage FULTON BK NA |
| Mar 13, 2020 | Grant Deed, Transfer ACCESS TITLE COMPANY, ACCESS TITLE CO |
| Feb 14, 2020 | Grant Deed, Subdivision Related Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 13, 2020 · Amount on Record |
| Deed Sale | Mar 13, 2020 · Amount on Record |
| Prior Sale | Jun 3, 1994 · Amount on Record |
| Deed Book / Page | 19236 / 347 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5266 WATERLOO RD, ELLICOTT CITY, MD 21043-6925 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0206420243 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 20642/243 |
| Name | THE JOHNS HOPKINS FCU |
|---|---|
| Type | Credit Union |
| Address | BALTIMORE, MD 21205 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 143 Months |
| Due | May 30, 2033 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Dec 17, 2020 |
| Property Address | 5266 WATERLOO RD, ELLICOTT CITY, MD 21043-6925 |
| Document Number | 0200330117 |
| Book / Page | 020033 / 000117 |
| Instrument Date | Dec 14, 2020 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 8, 2021 |
| Title Company | ACCESS TITLE COMPANY, ACCESS TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $250.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5312 E GLADYS PL ELLICOTT CITY MD 210437618, ELLICOTT CITY, MD 21043-7618 |
| Document Number | 200330122 |
|---|---|
| Date | Dec 17, 2020 |
| Book Page | 020033/000122 |
| Name | FULTON BK NA |
|---|---|
| Address | LANCASTER, PA 17602-2853 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 384 Months |
| Due | Dec 16, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Mar 13, 2020 |
| Property Address | 5266 WATERLOO RD, ELLICOTT CITY, MD 21043-6925 |
| Document Number | 0192360347 |
| Book / Page | 019236 / 000347 |
| Instrument Date | Mar 9, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2020 |
| Title Company | ACCESS TITLE COMPANY, ACCESS TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $200.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10717B BIRMINGHAM WAY WOODSTOCK MD 211631403, WOODSTOCK, MD 21163-1403 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 14, 2020 |
| Property Address | 5266 WATERLOO RD, ELLICOTT CITY, MD 21043-6925 |
| Document Number | 0191840276 |
| Book / Page | 019184 / 000276 |
| Instrument Date | Dec 17, 2019 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5266 WATER 100 RD ELLICOTT CITY MD 21043, ELLICOTT CITY, MD 21043 |
Source: Howard County assessment roll, as of August 4, 2025
| 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 | $374,200 (+4.39%) Land $229,400 Building $144,800 | $374,200 (-) Land $229,400 Building $144,800 | |
| 2025 | $4,810.00 (+39.5%) Homeowner's exemption | $358,467 (+9.62%) | $374,200 (+14.43%) Land $229,400 Building $144,800 |
| 2023 | $327,000 Land $219,400 Building $107,600 | $327,000 Land $219,400 Building $107,600 | |
| 2022 | $3,448.00 |
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 |
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 USA Fixed Wireless | 100 / 20 |
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