Howard County property record for 5909 Sandy Rdg, Elkridge, MD 21075
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,918 sqft · built 2000 |
| Lot Size | 0.188 acres (8,188 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $346,016 (Jan 2000) |
| Tax Bill | $10,063 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit May 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-272810 |
| Primary APN | 01-272810 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,918 sqft Total Area |
| Basement Area | 700 sqft |
| Finished Basement | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,188 sqft (0.188 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 256 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 272810 |
|---|---|
| Street Address | 5909 SANDY RDG |
| City | ELKRIDGE |
| State | MD |
| Zip | 21075-5989 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC |
| Legal Description | LOT 182 8,188 SQ 5909 SANDY RIDGE LYNDWOOD MANOR S2 |
| Legal Subdivision | LYNDWOOD MANOR SEC 02 |
| Legal Lot Number | 182 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 1, ELKRIDGE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 601103 |
5909 Sandy Rdg is owner-occupied and held in a trust since January 2000.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 5909 SANDY RDG, ELKRIDGE, MD 21075-5989 |
| 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 |
|---|---|
| Nov 10, 2022 | Deed of Trust, Mortgage · Line of Credit APL FCU |
| May 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK |
| Aug 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK |
| Aug 24, 2021 | Deed of Trust, Mortgage · Line of Credit APL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2000 · Amount on File |
| Deed Sale | Jan 5, 2000 · Amount on File |
| Prior Sale | Aug 11, 1999 · Amount on File |
| Deed Document Number | 2000199 |
| Deed Book / Page | 4985 / 425 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5909 SANDY RDG, ELKRIDGE, MD 21075-5989 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5909 SANDY RDG, ELKRIDGE, MD 21075-5989 |
| Document Number | 0217920479 |
|---|---|
| Date | Nov 10, 2022 |
| Book Page | 21792/479 |
| Name | APL FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20723 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Oct 26, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5909 SANDY RDG, ELKRIDGE, MD 21075-5989 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | EQUITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0186450128 |
|---|---|
| Date | May 1, 2019 |
| Book Page | 18645/128 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | ALPHARETTA, GA 30022 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5909 SANDY RDG, ELKRIDGE, MD 21075-5989 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | PROGRESSIVE LAND TTL AGCY LT |
| Name | Verified Name |
|---|
| Document Number | 0196490263 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 19649/263 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | LAKE CITY, FL 32055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5909 SANDY RDG, ELKRIDGE, MD 21075-5989 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5909 SANDY RDG, ELKRIDGE, MD 21075-5989 |
| Document Number | 0208340026 |
|---|---|
| Date | Aug 24, 2021 |
| Book Page | 20834/26 |
| Name | APL FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20723 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 2, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 5909 Sandy Rdg was $10,063 with a homeowner's exemption, down 4.2% 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 | $10,063.00 (-4.21%) Homeowner's exemption | $794,400 (+8.09%) Land $194,300 Building $600,100 | $794,400 (-) Land $194,300 Building $600,100 |
| 2025 | $10,505.00 Homeowner's exemption | $734,933 | $794,400 Land $194,300 Building $600,100 |
| 2023 | $616,000 Land $194,300 Building $421,700 | $616,000 Land $194,300 Building $421,700 | |
| 2022 | $6,880.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5909 Sandy Rdg in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 31, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 5909 Sandy Rdg 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 170 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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