Howard County property record for 6119 Encounter Row, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,497 sqft · built 1972 |
| Lot Size | 0.255 acres (11,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Aug 2023) |
| Tax Bill | $6,341 (2026) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-109258 |
| Primary APN | 16-109258 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,497 sqft Total Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 11,120 sqft (0.255 acres) |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 122 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 109258 |
|---|---|
| Street Address | 6119 ENCOUNTER ROW |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-4311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 1 S 5 6119 ENCOUNTER ROW VIL OAKLAND MILLS |
| Legal Subdivision | COLUMBIA VILLAGE OF OAKLAND MILLS AREA 6 |
| Legal Lot Number | 1 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 606603 |
Source: Howard County records, as of September 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6119 ENCOUNTER ROW, COLUMBIA, MD 21045-4311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 15, 2023 | Deed, Transfer · Conventional Mortgage NAVY FCU |
| Feb 10, 2021 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2023 · Amount on File |
| Deed Sale | Aug 15, 2023 · Amount on File |
| Prior Sale | Jun 28, 2016 · Amount on File |
| Deed Book / Page | 22077 / 458 |
| Prior Transfer Date | Aug 17, 2012 |
| Prior Transfer Doc | 0143050067 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Aug 15, 2023 |
| Property Address | 6119 ENCOUNTER ROW, COLUMBIA, MD 21045-4311 |
| Document Number | 0220770458 |
| Book / Page | 22077 / 458 |
| Map Reference | MB CMP 21 FO 71 |
| Instrument Date | Aug 2, 2023 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6119 ENCOUNTER ROW, COLUMBIA, MD 21045-4311 |
| Document Number | 0022077466 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | 22077/466 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 7.37% |
| Index | 5-Year TN |
| Margin | 2 |
| Max Rate | 10.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6119 ENCOUNTER ROW, COLUMBIA, MD 21045-4311 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0202070156 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | 20207/156 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
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 | $6,341.00 (+1.72%) Homeowner's exemption | $426,000 (+6.87%) Land $207,500 Building $218,500 | $426,000 (-) Land $207,500 Building $218,500 |
| 2025 | $6,234.00 (+4.77%) Homeowner's exemption | $398,633 (+15.92%) | $426,000 (+23.87%) Land $207,500 Building $218,500 |
| 2024 | $5,950.00 (+64.73%) | ||
| 2023 | $343,900 (+7.2%) Land $187,500 Building $156,400 | $343,900 (-) Land $187,500 Building $156,400 | |
| 2022 | $3,612.00 | $320,800 | $343,900 Land $187,500 Building $156,400 |
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 | 8 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 97% of the US · lower than 94% 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 527 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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