6078 Wild Ginger Ct, Columbia, MD 21044 Property Records

Howard County property record for 6078 Wild Ginger Ct, Columbia, MD 21044

Property Summary

Property Type	Townhouse
Details	2 ba · 1,320 sqft · built 1985
Lot Size	0.03 acres (1,306 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (May 2020)
Tax Bill	$5,214 (2025)
Deeds & Mortgages	Aug 2019 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-069287`

Property Details

APN / Parcel Number

Primary APN	`15-069287`
Alternative APN	`069287`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,320 sqft Total Area
Basement Area	320 sqft
Finished Basement	320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,306 sqft (0.03 acres)
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	069287
Street Address	6078 WILD GINGER CT
City	COLUMBIA
State	MD
Zip	21044-3680
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	NT
Legal Description	LOT C-31 .030 A 6078 WILD GINGER CT VHR S 3 AR 2
Legal Subdivision	VILLAGE OF HICKORY RIDGE
Legal Lot Number	C 31
Jurisdiction	HOWARD MD
Township / Civil Division	5, CLARKSVILLE
Census Block Group	3
Census Block	3001
Census Tract	605601

Owner

Source: Howard County assessment roll, as of August 4, 2025

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 File
Mailing Address	6078 WILD GINGER CT, COLUMBIA, MD 21044-3680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2019	Deed of Trust, Mortgage · ARM WATERSTONE MORTGAGE CORP
May 13, 2020	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 13, 2020 · Amount on Record
Deed Sale	May 13, 2020 · Amount on Record
Prior Sale	Jul 26, 2013 · Amount on Record
Deed Book / Page	19363 / 2
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6078 WILD GINGER CT, COLUMBIA, MD 21044-3680
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	CROWN TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0188390368
Date	Aug 20, 2019
Book Page	18839/368

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	9.25%

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	May 13, 2020
Property Address	6078 WILD GINGER CT, COLUMBIA, MD 21044-3680
Document Number	0193630002
Book / Page	019363 / 000002
Instrument Date	Apr 30, 2020
Transaction Type	Transfer
Record Updated	Jul 3, 2020
Title Company	KVS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6078 WILD GINGER CT COLUMBIA MD 210443680, COLUMBIA, MD 21044-3680

Mortgage

Document Number	193630008
Date	May 13, 2020
Book Page	019363/000008

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2050

Tax Assessment & Valuation

Source: Howard County assessment roll, as of August 4, 2025

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		$350,700 (+5.35%)	$368,500 (-) Land $170,000 Building $198,500
2025	$5,214.00 (+60.53%)	$332,900 (+10.3%)	$368,500 (+16.95%) Land $170,000 Building $198,500
2023		$301,800	$315,100 Land $155,000 Building $160,100
2022	$3,248.00

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

Flood

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	5 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

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 at the parcel

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 412 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA.

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