Howard County property record for 6124 Encounter Row, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,475 sqft · built 1972 |
| Lot Size | 0.13 acres (5,654 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Mar 2019) |
| Tax Bill | $5,505 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Mar 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-103284 |
| Primary APN | 16-103284 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,475 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,654 sqft (0.13 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Balcony Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 103284 |
|---|---|
| Street Address | 6124 ENCOUNTER ROW |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-4312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 73 S 5 6124 ENCOUNTER ROW VIL OAKLAND MILLS |
| Legal Subdivision | COLUMBIA VILLAGE OF OAKLAND MILLS |
| Legal Lot Number | 73 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 606603 |
6124 Encounter Row is owned and occupied by an individual who bought it in March 2019.
Source: Howard County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6124 ENCOUNTER ROW, COLUMBIA, MD 21045-4312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NFM INC |
| Mar 25, 2019 | Grant Deed, Transfer · Conventional with PMI NFM LNDG |
| Jan 31, 2017 | Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 25, 2019 · Amount on File |
| Deed Sale | Mar 25, 2019 · Amount on File |
| Prior Sale | Jan 31, 2017 · Amount on File |
| Deed Book / Page | 18594 / 466 |
| Prior Transfer Date | Mar 22, 2012 |
| Prior Transfer Doc | 0139710432 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6124 ENCOUNTER ROW, COLUMBIA, MD 21045-4312 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | SOURCEPOINT |
| Name | Verified Name |
|---|---|
| Address | 6124 ENCOUNTER ROW, COLUMBIA, MD 21045-4312 |
| Document Number | 0208680280 |
|---|---|
| Date | Sep 3, 2021 |
| Book Page | 20868/280 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Mar 25, 2019 |
| Property Address | 6124 ENCOUNTER ROW, COLUMBIA, MD 21045-4312 |
| Document Number | 0185940466 |
| Book / Page | 018594 / 000466 |
| Instrument Date | Mar 19, 2019 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2019 |
| Title Company | COMMUNITY TITLE NTWK |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 6124 ENCOUNTER ROW COLUMBIA MD 210454312, COLUMBIA, MD 21045-4312 |
| Document Number | 185940473 |
|---|---|
| Date | Mar 25, 2019 |
| Book Page | 018594/000473 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 24, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jan 31, 2017 |
| Property Address | 6124 ENCOUNTER ROW, COLUMBIA, MD 21045-4312 |
| Document Number | 0174180226 |
| Book / Page | 17418 / 226 |
| Map Reference | MB21 FO71 |
| Instrument Date | Jan 26, 2017 |
| Instrument | 17418-226 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | LAKESIDE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 6124 ENCOUNTER ROW, COLUMBIA, MD 21045-4312 |
| Document Number | 0174180233 |
|---|---|
| Date | Jan 31, 2017 |
| Book Page | 17418/233 |
| Instrument | 17418-233 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | 16795 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2032 |
The 2026 property tax bill for 6124 Encounter Row was $5,505 with a homeowner's exemption, down 3.4% 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 | $5,505.00 (-3.42%) Homeowner's exemption | $414,400 (+6.89%) Land $182,900 Building $231,500 | $414,400 (-) Land $182,900 Building $231,500 |
| 2025 | $5,700.00 (+4.84%) Homeowner's exemption | $387,700 | $414,400 Land $182,900 Building $231,500 |
| 2024 | $5,437.00 | ||
| 2023 | $334,300 Land $162,900 Building $171,400 | $334,300 Land $162,900 Building $171,400 | |
| 2022 | $3,560.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6124 Encounter Row in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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.
Wildfire risk around 6124 Encounter Row is low, with less than 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 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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