Howard County property record for 5642 Waterloo Rd, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,368 sqft · built 2007 |
| Lot Size | 0.526 acres (22,914 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $740,000 (Dec 2025) |
| Tax Bill | $10,242 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Dec 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-544606 |
| Primary APN | 06-544606 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,368 sqft Total Area |
| Basement Area | 900 sqft |
| Finished Basement | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 22,914 sqft (0.526 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 48 sqft |
| Deck Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 544606 |
|---|---|
| Street Address | 5642 WATERLOO RD |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-2627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 2 22914 SQ 5642 WATERLOO RD GRAY SUBDIVISION |
| Legal Subdivision | GRAY SUB |
| Legal Lot Number | 2 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 606606 |
5642 Waterloo Rd is owned and occupied by two individuals who bought it in December 2025.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5642 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Feb 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AMWEST FUNDING CORP |
| Dec 31, 2025 | Deed, Transfer · Stand-Alone First Mortgage LEADER FUNDING INC |
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GEORGE MASON MORTGAGE LLC |
| Jun 17, 2019 | Deed, Transfer · Conventional Mortgage CAPITAL BANK NA |
| Mar 20, 2017 | Deed of Trust, Mortgage · Line of Credit STATE EMP CU/MD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2025 · Amount on File |
| Deed Sale | Dec 31, 2025 · Amount on File |
| Prior Sale | Jun 17, 2019 · Amount on File |
| Deed Book / Page | 23060 / 142 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5642 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Title Company | MCLEAN SETTLEMENTS GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 5642 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Document Number | 0230970484 |
|---|---|
| Date | Feb 6, 2026 |
| Book Page | 23097/484 |
| Name | AMWEST FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Dec 31, 2025 |
| Property Address | 5642 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Document Number | 0230600142 |
| Book / Page | 23060 / 142 |
| Map Reference | PL 11949 |
| Instrument Date | Nov 5, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Title Company | MCLEAN SETTLEMENTS GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5642 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Document Number | 0023060148 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 23060/148 |
| Name | LEADER FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Jun 5, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5642 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | DISTRICT TITLE A CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0193120001 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 19312/1 |
| Name | GEORGE MASON MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jun 17, 2019 |
| Property Address | 5642 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Document Number | 0187240353 |
| Book / Page | 18724 / 353 |
| Map Reference | PL 11949 |
| Instrument Date | Jun 3, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | R & P SETTLEMENT GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,505.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 5642 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Document Number | 0018724359 |
|---|---|
| Date | Jun 17, 2019 |
| Instrument | 18724/359 |
| Name | CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5642 WATERLOO RD, COLUMBIA, MD 21045-2627 |
| Document Number | 0175220388 |
| Book / Page | 017522 / 000388 |
| Instrument Date | Mar 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 5642 WATERLOO RD COLUMBIA MD 210452627, COLUMBIA, MD 21045-2627 |
| Document Number | 0175220388 |
|---|---|
| Date | Apr 5, 2017 |
| Book Page | 017522/000388 |
| Name | STATE EMP CU/MD |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 4, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 5642 Waterloo Rd was $10,242, up 14.7% 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 | $10,242.00 (+14.74%) | $667,567 (+2.4%) | $698,900 (+7.21%) Land $270,900 Building $428,000 |
| 2025 | $8,926.00 Homeowner's exemption | $651,900 Land $240,900 Building $411,000 | $651,900 Land $240,900 Building $411,000 |
| 2023 | $543,833 | $651,900 Land $240,900 Building $411,000 | |
| 2022 | $5,515.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5642 Waterloo Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 5642 Waterloo Rd 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 | 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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