Howard County property record for 5622 Waterloo Rd, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,920 sqft · built 1999 |
| Lot Size | 0.479 acres (20,865 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $309,000 (May 2003) |
| Tax Bill | $6,648 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-436234 |
| Primary APN | 06-436234 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,920 sqft Total Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,865 sqft (0.479 acres) |
| Porch | Slab |
| Porch Area | 150 sqft |
| Deck Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 436234 |
|---|---|
| Street Address | 5622 WATERLOO RD |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-2627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | .479 A 5622 WATERLOO RD ELLICOTT CITY |
| Legal Subdivision | ELLICOTT CITY |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 606606 |
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 Record |
|---|---|
| Mailing Address | 5622 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2020 | Deed of Trust, Mortgage · FHA Mortgage CMG MORTGAGE INC |
| May 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COASTAL LENDING GROUP LLC |
| Mar 2, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2003 · Amount on Record |
| Deed Sale | May 22, 2003 · Amount on Record |
| Prior Sale | May 25, 1999 · Amount on Record |
| Deed Document Number | 20034466 |
| Deed Book / Page | 7197 / 504 |
| Transfer Doc | 0000003942 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5622 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | BAY NATIONAL TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0195190225 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 19519/225 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5622 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | BAY NATIONAL TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0205670287 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 20567/287 |
| Name | COASTAL LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | SPARKS GLENCOE, MD 21152 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Mar 2, 2021 |
| Property Address | 5622 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Document Number | 0202800200 |
| Book / Page | 20280 / 200 |
| Instrument Date | Feb 14, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 5622 WATERLOO RD, COLUMBIA, MD 21045-2627 |
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 | $6,648.00 (-6.66%) Homeowner's exemption | $530,433 (+2.66%) | $557,900 (+7.97%) Land $269,900 Building $288,000 |
| 2025 | $7,122.00 (+5.18%) Homeowner's exemption | $516,700 (+20.81%) Land $239,900 Building $276,800 | $516,700 (-) Land $239,900 Building $276,800 |
| 2024 | $6,771.00 (+56.95%) | ||
| 2023 | $427,700 | $516,700 Land $239,900 Building $276,800 | |
| 2022 | $4,314.00 |
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 | 1 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.
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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