Howard County property record for 5544 Waterloo Rd, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,232 sqft · built 1938 |
| Lot Size | 0.463 acres (20,153 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $277,000 (Oct 2023) |
| Tax Bill | $5,726 (2026) |
| Deeds & Mortgages | May 2020 Sale & Mortgage Oct 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-398782 |
| Primary APN | 06-398782 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,232 sqft Total Area |
| Utility Area | 320 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 20,153 sqft (0.463 acres) |
| Porch | Slab |
| Porch Area | 98 sqft |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 398782 |
|---|---|
| Street Address | 5544 WATERLOO RD |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-2624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 1 20,153 SQ' 5544 WATERLOO RD EDWARDS PROP |
| Legal Subdivision | ELLICOTT CITY |
| Legal Lot Number | 1 |
| 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 | 8120 BRIGHTLINK CT, ELLICOTT CITY, MD 21043-6986 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2020 | Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Oct 11, 2023 | Re-recorded Document DIAMOND TITLE INSURANCE CORPORATION, DIAMOND TITLE INSURANCE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2023 · Amount on Record |
| Deed Sale | Oct 11, 2023 · Amount on Record |
| Prior Sale | May 13, 2020 · Amount on Record |
| Deed Book / Page | 22141 / 242 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | May 13, 2020 |
| Property Address | 5544 WATERLOO RD, COLUMBIA, MD 21045-2624 |
| Document Number | 0193650494 |
| Book / Page | 19365 / 494 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | DIAMOND TITLE INSURANCE CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8120 BRIGHTLINK CT, ELLICOTT CITY, MD 21043-6986 |
| Document Number | 19365498 |
|---|---|
| Date | May 13, 2020 |
| Instrument | 19365/498 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Oct 11, 2023 |
| Property Address | 5544 WATERLOO RD, COLUMBIA, MD 21045-2624 |
| Document Number | 0221410242 |
| Book / Page | 22141 / 242 |
| Map Reference | PL 21028 |
| Instrument Date | May 8, 2020 |
| Record Updated | Oct 25, 2023 |
| Title Company | DIAMOND TITLE INSURANCE CORPORATION, DIAMOND TITLE INSURANCE CORP |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8120 BRIGHTLINK CT, ELLICOTT CITY, MD 21043-6986 |
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 | $5,726.00 (+3.17%) | $354,433 (+3.21%) | $376,500 (+9.64%) Land $269,500 Building $107,000 |
| 2025 | $5,550.00 (+100.94%) | $343,400 (+23.53%) Land $239,500 Building $103,900 | $343,400 (-) Land $239,500 Building $103,900 |
| 2023 | $278,000 | $343,400 Land $239,500 Building $103,900 | |
| 2022 | $2,762.00 |
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 95% of the US · lower than 90% 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.
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 367 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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