5446 Luckpenny Pl, Columbia, MD 21045 Property Records

Howard County property record for 5446 Luckpenny Pl, Columbia, MD 21045

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,548 sqft · built 1971
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Feb 2023)
Tax Bill	$5,379 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-119911`

Property Details

APN / Parcel Number

Primary APN	`16-119911`
Alternative APN	`119911`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,548 sqft Total Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.215 acres)
Garage Type	Built-in
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	119911
Street Address	5446 LUCKPENNY PL
City	COLUMBIA
State	MD
Zip	21045-2332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT 249 9,365 SQ' 5446 LUCKPENNY PL VIL LONGREACH S1 A1
Legal Subdivision	VILLAGE LONG REACH
Legal Lot Number	249
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	2
Census Block	2000
Census Tract	606607

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 Record
Mailing Address	5446 LUCKPENNY PL, COLUMBIA, MD 21045-2332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2023	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2023 · Amount on Record
Deed Sale	Feb 17, 2023 · Amount on Record
Prior Sale	Aug 17, 2016 · Amount on Record
Deed Book / Page	21883 / 440
Record Updated	Oct 29, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Feb 15, 2023
Property Address	5446 LUCKPENNY PL, COLUMBIA, MD 21045-2332
Document Number	0218830440
Book / Page	21883 / 440
Map Reference	MB 18 FO 44
Instrument Date	Feb 14, 2023
Transaction Type	Transfer
Record Updated	Mar 1, 2023
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5446 LUCKPENNY PL, COLUMBIA, MD 21045-2332

Mortgage

Document Number	0021883447
Date	Feb 15, 2023
Instrument	21883/447

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5446 LUCKPENNY PL, COLUMBIA, MD 21045-2332
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5446 LUCKPENNY PL, COLUMBIA, MD 21045-2332

Mortgage

Document Number	0197640046
Date	Sep 30, 2020
Book Page	19764/46

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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	$5,379.00 (-5.73%) Homeowner's exemption	$425,900 (+8.66%) Land $234,600 Building $191,300	$425,900 (-) Land $234,600 Building $191,300
2025	$5,706.00 (+61.05%) Homeowner's exemption	$391,967 (+20.94%)	$425,900 (+31.41%) Land $234,600 Building $191,300
2023		$324,100 Land $179,600 Building $144,500	$324,100 Land $179,600 Building $144,500
2022	$3,543.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (2008–2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jan 2024 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 526 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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