Howard County property record for 6038 Waterloo Rd, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,420 sqft · built 1948 |
| Lot Size | 0.555 acres (24,175 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Sep 2021) |
| Tax Bill | $5,933 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Apr 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-414575 |
| Primary APN | 06-414575 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,420 sqft Total Area |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Stone |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 24,175 sqft (0.555 acres) |
| Garage Type | Detached |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 460 sqft |
| Patio Area | 184 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 414575 |
|---|---|
| Street Address | 6038 WATERLOO RD |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-2631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | .555 A 6038 WATERLOO RD ELLICOTT CITY |
| Legal Subdivision | ELLICOTT CITY |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 606706 |
Source: Howard County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6038 WATERLOO RD, COLUMBIA, MD 21045-2631 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 8, 2021 | Deed, Transfer · FHA Mortgage MORTGAGE ONE SOLUTIONS INC |
| Apr 4, 2018 | Grant Deed, Transfer DUNN TITLE |
| Feb 12, 2018 | Grant Deed, Transfer · Construction Mortgage JENNIFER BILLINGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2021 · Amount on Record |
| Deed Sale | Sep 8, 2021 · Amount on Record |
| Prior Sale | Apr 4, 2018 · Amount on Record |
| Deed Book / Page | 20874 / 319 |
| Transfer Doc | 0000064145 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 8, 2021 |
| Property Address | 6038 WATERLOO RD, COLUMBIA, MD 21045-2631 |
| Document Number | 0208740319 |
| Book / Page | 20874 / 319 |
| Instrument Date | Jun 22, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Title Company | TITLE ONE AND ESCROW INC, TITLE ONE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 6038 WATERLOO RD, COLUMBIA, MD 21045-2631 |
| Document Number | 20874326 |
|---|---|
| Date | Sep 8, 2021 |
| Instrument | 20874/326 |
| Name | MORTGAGE ONE SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 4, 2018 |
| Property Address | 6038 WATERLOO RD, COLUMBIA, MD 21045-2631 |
| Document Number | 0181150109 |
| Book / Page | 018115 / 000109 |
| Instrument Date | Feb 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2018 |
| Title Company | DUNN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $203.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6404 IVY LN #320 GREENBELT MD 207701416, 320, GREENBELT, MD 20770-1416 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 12, 2018 |
| Property Address | 6038 WATERLOO RD, COLUMBIA, MD 21045-2631 |
| Document Number | 0180480011 |
| Book / Page | 018048 / 000011 |
| Instrument Date | Jan 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2018 |
| Title Company | CROWN TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Tax | $125.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 416 NEEPIER RD CATONSVILLE MD 212284030, CATONSVILLE, MD 21228-4030 |
| Document Number | 180480015 |
|---|---|
| Date | Feb 12, 2018 |
| Book Page | 018048/000015 |
| Name | JENNIFER BILLINGS |
|---|---|
| Address | 309 WINDFERN CT, MILLERSVILLE, MD 21108-2419 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 11, 2019 |
Source: Howard County assessment roll, as of August 4, 2025
| 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 | $450,500 (+3.73%) | $482,900 (+11.19%) Land $271,500 Building $211,400 | |
| 2025 | $5,933.00 (+90.1%) Homeowner's exemption | $434,300 (+31.78%) Land $241,500 Building $192,800 | $434,300 (-) Land $241,500 Building $192,800 |
| 2023 | $329,567 | $434,300 Land $241,500 Building $192,800 | |
| 2022 | $3,121.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 6 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 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 210 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 |
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