Howard County property record for 5472 Waterloo Rd, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,780 sqft · built 1986 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $515,000 (Jun 2019) |
| Tax Bill | $10,123 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Jun 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-413846 |
| Primary APN | 06-413846 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,780 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 19,994 sqft (0.459 acres) |
| Pool Area | 800 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 224 sqft |
| Deck Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 413846 |
|---|---|
| Street Address | 5472 WATERLOO RD |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-2625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | .459 A 5472 WATERLOO RD ELLICOTT CITY |
| Legal Subdivision | PROPERTY ANDREW HANDY |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5472 WATERLOO RD, COLUMBIA, MD 21045-2625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jun 18, 2019 | Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Aug 17, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2019 · Amount on Record |
| Deed Sale | Jun 18, 2019 · Amount on Record |
| Prior Sale | Aug 29, 1986 · Amount on Record |
| Deed Book / Page | 18727 / 54 |
| Prior Transfer Date | Feb 6, 2017 |
| Prior Transfer Doc | 0000758076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5472 WATERLOO RD, COLUMBIA, MD 21045-2625 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2021 |
| Title Company | ONE CHOICE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0208110278 |
|---|---|
| Date | Aug 17, 2021 |
| Book Page | 20811/278 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jun 18, 2019 |
| Property Address | 5472 WATERLOO RD, COLUMBIA, MD 21045-2625 |
| Document Number | 0187270054 |
| Book / Page | 18727 / 054 |
| Map Reference | LB 576 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | JDM TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,437.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 57 TUPELO TRCE, 57, MANDEVILLE, LA 70471-6740 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5472 WATERLOO RD, COLUMBIA, MD 21045-2625 |
| Document Number | 18727062 |
|---|---|
| Date | Jun 18, 2019 |
| Instrument | 18727/062 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Aug 17, 2017 |
| Property Address | 5472 WATERLOO RD, COLUMBIA, MD 21045-2625 |
| Document Number | 0177580076 |
| Book / Page | 017758 / 000076 |
| Instrument Date | Feb 2, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 5472 WATERLOO RD COLUMBIA MD 210452625, COLUMBIA, MD 21045-2625 |
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 | $10,123.00 (+2.59%) | $659,300 (+2.39%) | $690,100 (+7.18%) Land $269,400 Building $420,700 |
| 2025 | $9,867.00 (+81.25%) | $643,900 (+19.91%) Land $239,400 Building $404,500 | $643,900 (-) Land $239,400 Building $404,500 |
| 2023 | $536,967 | $643,900 Land $239,400 Building $404,500 | |
| 2022 | $5,444.00 |
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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