5524 Etta Ct, Columbia, MD 21045 Property Records

Howard County property record for 5524 Etta Ct, Columbia, MD 21045

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,764 sqft · built 1971
Lot Size	0.189 acres (8,217 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Feb 2020)
Tax Bill	$7,902 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-105155`

Property Details

APN / Parcel Number

Primary APN	`16-105155`
Alternative APN	`105155`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,764 sqft Total Area
Basement Area	628 sqft
Finished Basement	628 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,217 sqft (0.189 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	260 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	105155
Street Address	5524 ETTA CT
City	COLUMBIA
State	MD
Zip	21045-2268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NT
Legal Description	LOT 540 S 1 AR 4 5524 ETTA CT VIL OAKLAND MILLS
Legal Subdivision	VILLAGE OAKLAND MILLS
Legal Lot Number	540
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	1
Census Block	1019
Census Tract	606601

Owner

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	5524 ETTA CT, COLUMBIA, MD 21045-2268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2020	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Feb 25, 2020	Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 3, 2019	Grant Deed, Transfer · Construction Mortgage JENNIFER BILLINGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2020 · Amount on Record
Deed Sale	Feb 25, 2020 · Amount on Record
Prior Sale	Sep 3, 2019 · Amount on Record
Deed Book / Page	19197 / 391
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5524 ETTA CT, COLUMBIA, MD 21045-2268
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5524 ETTA CT, COLUMBIA, MD 21045-2268

Mortgage

Document Number	0199290401
Date	Nov 17, 2020
Book Page	19929/401

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Feb 25, 2020
Property Address	5524 ETTA CT, COLUMBIA, MD 21045-2268
Document Number	0191970391
Book / Page	19197 / 391
Map Reference	MB CMP 18 FO 64
Instrument Date	Feb 21, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	CHARTER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
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	5524 ETTA CT, COLUMBIA, MD 21045-2268

Mortgage

Document Number	0019197398
Date	Feb 25, 2020
Instrument	19197/398

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Sep 3, 2019
Property Address	5524 ETTA CT, COLUMBIA, MD 21045-2268
Document Number	0188640413
Book / Page	018864 / 000413
Instrument Date	Jul 3, 2019
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	R AND P SETTLEMENT GROUP LLC, R&P SETTLEMENT GRP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5426 MARSH HAWK WAY COLUMBIA MD 210452245, COLUMBIA, MD 21045-2245

Mortgage

Document Number	188640418
Date	Sep 3, 2019
Book Page	018864/000418

Lender

Name	JENNIFER BILLINGS
Address	309 WINDFERN CT, MILLERSVILLE, MD 21108-2419

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 2, 2020

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	$7,902.00 (+7.57%)	$512,900 (+7.74%) Land $194,400 Building $318,500	$512,900 (-) Land $194,400 Building $318,500
2025	$7,346.00 (+79.39%)	$476,033 (+18.33%)	$512,900 (+27.49%) Land $194,400 Building $318,500
2023		$402,300 Land $174,400 Building $227,900	$402,300 Land $174,400 Building $227,900
2022	$4,095.00

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	7 in force
Nearby Flood Claims	1 (2016)
Most Recent Claim	Jul 2016 · Severe Storm And Flooding

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 95% of the US · lower than 90% 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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