Howard County property record for 5977 Setter Dr, Elkridge, MD 21075
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,000 sqft · built 1960 |
| Lot Size | 0.623 acres (27,137 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $349,900 (May 2019) |
| Tax Bill | $7,109 (2026) |
| Deeds & Mortgages | May 2021 Mortgage May 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-162748 |
| Primary APN | 01-162748 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,000 sqft Total Area |
| Basement Area | 750 sqft |
| Finished Basement | 750 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 27,137 sqft (0.623 acres) |
| Porch | Porch |
| Porch Area | 240 sqft |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 162748 |
|---|---|
| Street Address | 5977 SETTER DR |
| City | ELKRIDGE |
| State | MD |
| Zip | 21075-5539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | LOT 17 S 3 5977 SETTER DR HUNT CLUB ESTS |
| Legal Subdivision | PLAT NO 3 HUNT CLUB ESTATES |
| Legal Lot Number | 17 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 1, ELKRIDGE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 601205 |
Source: Howard County records, as of September 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 5977 SETTER DR, ELKRIDGE, MD 21075-5539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| May 9, 2019 | Grant Deed, Transfer · FHA Mortgage FREEDOM BK/VA |
| Jul 25, 2018 | Grant Deed, Transfer REAL ESTATE SETTLEMENTS ESCROW |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 9, 2019 · Amount on Record |
| Deed Sale | May 9, 2019 · Amount on Record |
| Prior Sale | Jul 25, 2018 · Amount on Record |
| Deed Book / Page | 18659 / 247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 5977 SETTER DR, ELKRIDGE, MD 21075-5539 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0205440144 |
|---|---|
| Date | May 12, 2021 |
| Book Page | 20544/144 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | May 9, 2019 |
| Property Address | 5977 SETTER DR, ELKRIDGE, MD 21075-5539 |
| Document Number | 0186590247 |
| Book / Page | 018659 / 000247 |
| Instrument Date | Apr 18, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2019 |
| Title Company | ELITE TITLE AND ESCROW, ELITE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $349.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 5977 SETTER DR ELKRIDGE MD 210755539, ELKRIDGE, MD 21075-5539 |
| Document Number | 186590254 |
|---|---|
| Date | May 9, 2019 |
| Book Page | 018659/000254 |
| Name | FREEDOM BK/VA |
|---|---|
| Type | Bank |
| Address | FAIRFAX, VA 22030 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 25, 2018 |
| Property Address | 5977 SETTER DR, ELKRIDGE, MD 21075-5539 |
| Document Number | 0182870392 |
| Book / Page | 018287 / 000392 |
| Instrument Date | Jul 23, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2018 |
| Title Company | REAL ESTATE SETTLEMENTS ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $130.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 12132 VELVET HILL DR OWINGS MILLS MD 211171288, OWINGS MILLS, MD 21117-1288 |
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 | $7,109.00 (+8.11%) | $450,300 (+8.55%) Land $223,000 Building $227,300 | $450,300 (-) Land $223,000 Building $227,300 |
| 2025 | $6,576.00 (+91.39%) | $414,833 (+20.63%) | $450,300 (+30.94%) Land $223,000 Building $227,300 |
| 2023 | $343,900 Land $173,000 Building $170,900 | $343,900 Land $173,000 Building $170,900 | |
| 2022 | $3,436.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 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.
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 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 |
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