Howard County property record for 6142 Waterloo Rd, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,500 sqft · built 1948 |
| Lot Size | 0.689 acres (30,012 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Aug 2017) |
| Tax Bill | $6,967 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Aug 2019 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-398294 |
| Primary APN | 06-398294 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,500 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 30,012 sqft (0.689 acres) |
| Porch | Enclosed Porch |
| Porch Area | 140 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 398294 |
|---|---|
| Street Address | 6142 WATERLOO RD |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-3101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | .689 AR 6142 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 · APN 06-398294
Assessment roll updated August 4, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 6142 WATERLOO RD, COLUMBIA, MD 21045-3101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 09, 2026 | Deed of Trust, Mortgage · Line of Credit TOWER FEDERAL CREDIT UNION |
| Aug 08, 2019 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Jul 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jan 19, 2018 | Deed of Trust, Mortgage ENVOY MTG |
| Aug 03, 2017 | Grant Deed, Transfer SAMUEL W III CHAIRS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 03, 2017 · Amount on Record |
| Deed Sale | Aug 03, 2017 · Amount on Record |
| Prior Sale | Sep 23, 1982 · Amount on Record |
| Deed Document Number | 2017729-454 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 09, 2026 |
| Property Address | 6142 WATERLOO RD, COLUMBIA, MD 21045-3101 |
| Document Number | 2331000001 |
| Book / Page | 23318 / 1 |
| Instrument Date | Jun 08, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 6142 WATERLOO RD, COLUMBIA, MD 21045-3101 |
| Document Number | 2331000001, |
|---|---|
| Date | Jul 09, 2026 |
| Book Page | 23318/1 |
| Name | TOWER FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 25, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6142 WATERLOO RD, COLUMBIA, MD 21045-3101 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0188170001 |
|---|---|
| Date | Aug 08, 2019 |
| Book Page | 18817/001 |
| Name | TOWER FCU |
|---|---|
| Type | Mortgage Company |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 25, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6142 WATERLOO RD, COLUMBIA, MD 21045-3101 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | CARTER TITLE LLC, CHARTER TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0207160105 |
|---|---|
| Date | Jul 15, 2021 |
| Book Page | 20716/105 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6142 WATERLOO RD, COLUMBIA, MD 21045-3101 |
| Document Number | 0180260485 |
| Book / Page | 018026 / 000485 |
| Instrument Date | Jan 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2018 |
| Title Company | CHURCH CIRCLE TITLE AND ESCROW L |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6142 WATERLOO RD COLUMBIA MD 210453101, COLUMBIA, MD 21045-3101 |
| Document Number | 0180260485 |
|---|---|
| Date | Jan 26, 2018 |
| Book Page | 018026/000485 |
| Name | ENVOY MTG |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77056 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 25, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Aug 03, 2017 |
| Property Address | 6142 WATERLOO RD, COLUMBIA, MD 21045-3101 |
| Document Number | 0177290454 |
| Book / Page | 017729 / 000454 |
| Instrument Date | Jul 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6142 WATERLOO RD COLUMBIA MD 210453101, COLUMBIA, MD 21045-3101 |
| Document Number | 177290461 |
|---|---|
| Date | Aug 03, 2017 |
| Book Page | 017729/000461 |
| Name | SAMUEL W III CHAIRS |
|---|---|
| Address | 4326 MOUNTAIN RD, PASADENA, MD 21122-4567 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Aug 02, 2018 |
Source: Howard County records · Assessment roll updated August 4, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Howard County |
| Unified School District | Howard County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $457,867 (+3.59%) | $489,600 (+10.77%) Land $274,500 Building $215,100 | |
| 2025 | $6,967.00 (+131.69%) | $442,000 (+35.83%) Land $244,500 Building $197,500 | $442,000 (-) Land $244,500 Building $197,500 |
| 2023 | $325,400 | $442,000 Land $244,500 Building $197,500 | |
| 2022 | $3,007.00 |
Source: FEMA National Flood Hazard Layer as of October 31, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| Believe Wireless Fixed Wireless | 500 / 100 |
Based on FCC filings for 404 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HOWARD COUNTY D.P.W. DISTRIBUTION serves 286,158 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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