Howard County property record for 5520 Cedar Ln, Columbia, MD 21044
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,644 sqft · built 1961 |
| Lot Size | 0.891 acres (38,812 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $714,000 (Sep 2025) |
| Tax Bill | $8,184 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-366801 |
| Primary APN | 05-366801 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Units | 4 Units |
| Stories | 1 Story |
| Building Area | 2,644 sqft Total Area |
| 1st Floor Area | 1,968 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Construction Type | Frame |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Material | Composition Shingle |
| Lot Area | 38,812 sqft (0.891 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 366801 |
|---|---|
| Street Address | 5520 CEDAR LN |
| City | COLUMBIA |
| State | MD |
| Zip | 21044-2789 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC |
| Legal Description | .891 A. 5520 CEDAR LA SIMPSONVILLE |
| Legal Subdivision | SCARBOROUGH LOTS 1 THRU 65 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 605502 |
Source: Howard County records, as of October 19, 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 | 5520 CEDAR LN, COLUMBIA, MD 21044-2789 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 25, 2025 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Oct 6, 2020 | Deed, Transfer · Conventional Mortgage FIRST HOME BANK |
| Mar 6, 2017 | Grant Deed, Transfer · Conventional with PMI JOHN C & PATRICIA A DAVIS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2025 · Amount on Record |
| Deed Sale | Sep 25, 2025 · Amount on Record |
| Prior Sale | Sep 16, 2024 · Amount on Record |
| Deed Book / Page | 22931 / 464 |
| Prior Transfer Date | Jun 10, 2024 |
| Prior Transfer Doc | 0224860286 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 25, 2025 |
| Property Address | 5520 CEDAR LN, COLUMBIA, MD 21044-2789 |
| Document Number | 0229310464 |
| Book / Page | 22931 / 464 |
| Map Reference | PL 4674-4676 |
| Instrument Date | Sep 11, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Title Company | CROWN TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,570.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5520 CEDAR LN, COLUMBIA, MD 21044-2789 |
| Document Number | 0022931471 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 22931/471 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Oct 6, 2020 |
| Property Address | 5520 CEDAR LN, COLUMBIA, MD 21044-2789 |
| Document Number | 0197820479 |
| Book / Page | 19782 / 479 |
| Map Reference | PL 4674-4676 |
| Instrument Date | Jul 20, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | UNIVERSAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 5520 CEDAR LN, COLUMBIA, MD 21044-2789 |
| Investor | Possibly a Property Investor |
| Document Number | 0019782486 |
|---|---|
| Date | Oct 6, 2020 |
| Instrument | 19782/486 |
| Name | FIRST HOME BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Aug 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Mar 6, 2017 |
| Property Address | 5520 CEDAR LN, COLUMBIA, MD 21044-2789 |
| Document Number | 0174730413 |
| Book / Page | 017473 / 000413 |
| Instrument Date | Feb 3, 2017 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2017 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $390.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5520 CEDAR LN COLUMBIA MD 210442789, COLUMBIA, MD 21044-2789 |
| Document Number | 174730419 |
|---|---|
| Date | Mar 6, 2017 |
| Book Page | 017473/000419 |
| Name | JOHN C & PATRICIA A DAVIS |
|---|---|
| Address | 4135 LOTUS CIR, ELLICOTT CITY, MD 21043-4874 |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 5, 2018 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
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 | $8,184.00 (+24.23%) | $539,733 (+21.7%) | $732,200 (+65.1%) Land $398,900 Building $333,300 |
| 2025 | $6,588.00 (-3.47%) | $443,500 (+10.48%) Land $311,800 Building $131,700 | $443,500 (-) Land $311,800 Building $131,700 |
| 2024 | $6,825.00 (+59.35%) | ||
| 2023 | $401,433 | $443,500 Land $311,800 Building $131,700 | |
| 2022 | $4,283.00 |
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 | 9 in force |
| Nearby Flood Claims | 3 (2014–2018) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2018 · 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 | Indirect within ember reach |
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 161 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures