5680 Waterloo Rd, Columbia, MD 21045 Property Records

Howard County property record for 5680 Waterloo Rd, Columbia, MD 21045

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,848 sqft · built 1994
Lot Size	2.22 acres (96,703 sqft)
Owner	Individual Name on File
Last Sale	$75,632 (Jan 2012)
Tax Bill	$9,188 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-398588`

Property Details

APN / Parcel Number

Primary APN	`06-398588`
Alternative APNs	`6398588` `398588`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,848 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	96,703 sqft (2.22 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	252 sqft
Deck Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	398588
Street Address	5680 WATERLOO RD
City	COLUMBIA
State	MD
Zip	21045-2627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	2.2262 ACRES 5680 WATERLOO RD
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	2
Census Block	2000
Census Tract	606606

Owner

5680 Waterloo Rd is owned and occupied by an individual who bought it in January 2012.

Source: Howard County records, as of September 4, 2026

Owner of Record	Individual Name on File
Mailing Address	5680 WATERLOO RD, COLUMBIA, MD 21045-2627
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2012 · Amount on File
Deed Sale	Jan 24, 2012 · Amount on File
Prior Sale	Aug 18, 2011 · Amount on File
Deed Book / Page	13736 / 123
Prior Transfer Date	Jan 13, 2012
Prior Transfer Doc	0137360129
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	5680 WATERLOO RD, COLUMBIA, MD 21045-2627
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5680 WATERLOO RD, COLUMBIA, MD 21045-2627

Mortgage

Document Number	0217160459
Date	Sep 14, 2022
Book Page	21716/459

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Aug 10, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 5680 Waterloo Rd was $9,188, up 2.6% from the year before.

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	$9,188.00 (+2.65%)	$594,500 (+2.48%)	$623,300 (+7.45%) Land $293,400 Building $329,900
2025	$8,951.00 (+4.73%)	$580,100 Land $263,400 Building $316,700	$580,100 Land $263,400 Building $316,700
2024	$8,547.00
2023		$494,500	$580,100 Land $263,400 Building $316,700
2022	$5,086.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5680 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

Wildfire risk around 5680 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 94% of the US · lower than 87% 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.

Internet Providers

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