Howard County property record for 5604 Mirrorlight Pl, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,810 sqft · built 1970 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $425,000 (Apr 2007) |
| Tax Bill | $6,586 (2026) |
| Deeds & Mortgages | Jan 2023 Mortgage Mar 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-103896 |
| Primary APN | 16-103896 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,810 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,375 sqft (0.215 acres) |
| Garage Type | Built-in |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 112 sqft |
| Patio Area | 432 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 103896 |
|---|---|
| Street Address | 5604 MIRRORLIGHT PL |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-3214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 111 9,375 SQ' 5604 MIRRORLIGHT PL VIL OAKLAND MILLS S4 A1 |
| Legal Subdivision | VILLAGE OAKLAND MILLS |
| Legal Lot Number | 111 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 606603 |
5604 Mirrorlight Pl is owner-occupied and held in a trust since April 2007.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 5604 MIRRORLIGHT PL, COLUMBIA, MD 21045-3214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 3, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 22, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Apr 11, 2019 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Mar 31, 2020 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2007 · Amount on File |
| Deed Sale | Apr 30, 2007 · Amount on File |
| Prior Sale | Sep 21, 2001 · Amount on File |
| Deed Document Number | 200777553 |
| Deed Book / Page | 10655 / 171 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5604 MIRRORLIGHT PL, COLUMBIA, MD 21045-3214 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2023 |
| Title Company | CORE TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 5604 MIRRORLIGHT PL, COLUMBIA, MD 21045-3214 |
| Document Number | 0218440492 |
|---|---|
| Date | Jan 3, 2023 |
| Book Page | 21844/492 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5604 MIRRORLIGHT PL, COLUMBIA, MD 21045-3214 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | CORE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0180980213 |
|---|---|
| Date | Mar 22, 2018 |
| Book Page | 18098/213 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5604 MIRRORLIGHT PL, COLUMBIA, MD 21045-3214 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | CORE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0186200161 |
|---|---|
| Date | Apr 11, 2019 |
| Book Page | 18620/161 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5604 MIRRORLIGHT PL, COLUMBIA, MD 21045-3214 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | CORE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0192650005 |
|---|---|
| Date | Mar 31, 2020 |
| Book Page | 19265/5 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2026 property tax bill for 5604 Mirrorlight Pl was $6,586 with a homeowner's exemption, up 1.7% from the year before.
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 | $6,586.00 (+1.68%) Homeowner's exemption | $452,200 (+6%) Land $199,600 Building $252,600 | $452,200 (-) Land $199,600 Building $252,600 |
| 2025 | $6,477.00 Homeowner's exemption | $426,600 | $452,200 Land $199,600 Building $252,600 |
| 2023 | $375,400 Land $179,600 Building $195,800 | $375,400 Land $179,600 Building $195,800 | |
| 2022 | $4,105.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5604 Mirrorlight Pl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.
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 | 1 in force |
| Nearby Flood Claims | 4 (1979–2011) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Sep 2011 · Hurricane Irene |
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 risk around 5604 Mirrorlight Pl 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 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.
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 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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