5475 Halflight Garth, Columbia, MD 21045 Property Records

Howard County property record for 5475 Halflight Garth, Columbia, MD 21045

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,180 sqft · built 1973
Lot Size	0.264 acres (11,508 sqft)
Owner	2 Individual Names on File
Last Sale	$387,000 (Jul 2018)
Tax Bill	$8,130 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-097594`

Property Details

APN / Parcel Number

Primary APN	`16-097594`
Alternative APN	`097594`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,180 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,508 sqft (0.264 acres)
Porch	Slab
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	097594
Street Address	5475 HALFLIGHT GARTH
City	COLUMBIA
State	MD
Zip	21045-2520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT 230 11,508 SQ' 5475 HALFLIGHT GARTH VIL LONGREACH S1 A1
Legal Subdivision	VILLAGE LONGREACH SEC 01
Legal Lot Number	230
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3000
Census Tract	606607

Owner

5475 Halflight Garth is owned and occupied by two individuals who bought it in July 2018.

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 File
Mailing Address	5475 HALFLIGHT GARTH, COLUMBIA, MD 21045-2520
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2020	Deed of Trust, Mortgage · FHA Mortgage RIVER CITY MORTGAGE LLC
Aug 21, 2019	Deed of Trust, Mortgage · FHA Mortgage RIVER CITY MORTGAGE LLC
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE LLC
Jul 25, 2018	Deed, Transfer · FHA Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2018 · Amount on File
Deed Sale	Jul 25, 2018 · Amount on File
Prior Sale	May 18, 2012 · Amount on File
Deed Book / Page	18290 / 200
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5475 HALFLIGHT GARTH, COLUMBIA, MD 21045-2520
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	COSMOPOLITAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0195270383
Date	Jul 14, 2020
Book Page	19527/383

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45242

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5475 HALFLIGHT GARTH, COLUMBIA, MD 21045-2520
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0188410072
Date	Aug 21, 2019
Book Page	18841/072

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45212

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5475 HALFLIGHT GARTH, COLUMBIA, MD 21045-2520
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210880304
Date	Nov 5, 2021
Book Page	21088/304

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Jul 25, 2018
Property Address	5475 HALFLIGHT GARTH, COLUMBIA, MD 21045-2520
Document Number	0182900200
Book / Page	18290 / 200
Map Reference	MB18 FO46
Instrument Date	Jul 19, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	LAKESIDE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,805.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5475 HALFLIGHT GARTH, COLUMBIA, MD 21045-2520

Mortgage

Document Number	0018290207
Date	Jul 25, 2018
Instrument	18290/207

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 5475 Halflight Garth was $8,130, up 9% from the year before.

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	$8,130.00 (+8.95%)	$521,100 (+9.37%) Land $244,200 Building $276,900	$521,100 (-) Land $244,200 Building $276,900
2025	$7,462.00	$476,467	$521,100 Land $244,200 Building $276,900
2023		$387,200 Land $189,200 Building $198,000	$387,200 Land $189,200 Building $198,000
2022	$4,130.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5475 Halflight Garth in Zone X, an area of minimal flood risk.

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	7 in force

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

Wildfire risk around 5475 Halflight Garth is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 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.

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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