Howard County property record for 5470 Waterloo Rd, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,840 sqft · built 1948 |
| Lot Size | 0.908 acres (39,552 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Jun 2013) |
| Tax Bill | $4,835 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Mar 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-405010 |
| Primary APN | 06-405010 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,840 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 39,552 sqft (0.908 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 105 sqft |
| Deck Area | 280 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 405010 |
|---|---|
| Street Address | 5470 WATERLOO RD |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-2625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | .908 AR 5470 WATERLOO RD ELLICOTT CITY |
| Legal Subdivision | ELLICOTT CITY |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 606607 |
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 | 5470 WATERLOO RD, COLUMBIA, MD 21045-2625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK |
| Mar 23, 2019 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2013 · Amount on Record |
| Deed Sale | Jun 4, 2013 · Amount on Record |
| Prior Sale | Nov 28, 2012 · Amount on Record |
| Deed Book / Page | 14959 / 73 |
| Prior Transfer Date | Oct 29, 2012 |
| Prior Transfer Doc | 0144810158 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5470 WATERLOO RD, COLUMBIA, MD 21045-2625 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | PRIORITY TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0201360466 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 20136/466 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 177 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5470 WATERLOO RD, COLUMBIA, MD 21045-2625 |
| Document Number | 0186260377 |
| Instrument Date | Mar 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5470 WATERLOO RD COLUMBIA MD 210452625, COLUMBIA, MD 21045-2625 |
| Document Number | 0186260377 |
|---|---|
| Date | Apr 16, 2019 |
| Book Page | 018626/000377 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 | $4,835.00 (-13.77%) Homeowner's exemption | $438,733 (+2.8%) | $462,600 (+8.39%) Land $279,200 Building $183,400 |
| 2025 | $5,607.00 (+70.32%) Homeowner's exemption | $426,800 (+26.57%) Land $249,200 Building $177,600 | $426,800 (-) Land $249,200 Building $177,600 |
| 2023 | $337,200 | $426,800 Land $249,200 Building $177,600 | |
| 2022 | $3,292.00 |
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 | 3 in force |
| Nearby Flood Claims | 4 (1991–2011) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
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 94% of the US · lower than 89% 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.
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 260 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 | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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