5905 Setter Dr, Elkridge, MD 21075 Property Records

Howard County property record for 5905 Setter Dr, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,000 sqft · built 1961
Lot Size	0.344 acres (14,984 sqft)
Owner	Individual Name on File
Tax Bill	$6,170 (2026)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-161512`

Property Details

APN / Parcel Number

Primary APN	`01-161512`
Alternative APNs	`1161512` `161512`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,000 sqft Total Area
Basement Area	540 sqft
Finished Basement	540 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,984 sqft (0.344 acres)

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Deck Area	168 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	161512
Street Address	5905 SETTER DR
City	ELKRIDGE
State	MD
Zip	21075-5529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12
Legal Description	LOT 34 S 4 5905 SETTER DR HUNT CLUB ESTS
Legal Subdivision	HUNT CLUB ESTATES
Legal Lot Number	34
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	1
Census Block	1002
Census Tract	601205

Owner

5905 Setter Dr is owned and occupied by an individual who acquired it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	5905 SETTER DR, ELKRIDGE, MD 21075-5529
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	Nov 12, 2004
Deed Sale	Nov 12, 2004
Prior Sale	Aug 4, 1998 · Amount on File
Deed Document Number	200451867
Deed Book / Page	8768 / 101
Last Transfer Date	Sep 1, 2020
Transfer Doc	0197230219
Record Updated	Oct 29, 2026

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD MD
Recording Date	Sep 18, 2020
Property Address	5905 SETTER DR, ELKRIDGE, MD 21075-5529
Document Number	0197230219
Book / Page	19723 / 219
Map Reference	MB 6 FO 91
Instrument Date	Sep 1, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5905 SETTER DR, ELKRIDGE, MD 21075-5529

Mortgage

Document Number	19723223
Date	Sep 18, 2020
Instrument	19723/223

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 5905 Setter Dr was $6,170, up 8.2% 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	$6,170.00 (+8.25%)	$385,200 (+8.86%) Land $216,900 Building $168,300	$385,200 (-) Land $216,900 Building $168,300
2025	$5,700.00 (+8.59%)	$353,833	$385,200 Land $216,900 Building $168,300
2024	$5,249.00
2023		$291,100 Land $166,900 Building $124,200	$291,100 Land $166,900 Building $124,200
2022	$3,180.00

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

Flood

FEMA maps place 5905 Setter Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 5905 Setter Dr is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 362 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
Believe Broadband Fixed Wireless	500 / 100
AT&T Fixed Wireless	100 / 20