Howard County property record for 6148 Encounter Row, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,488 sqft · built 1972 |
| Lot Size | 0.258 acres (11,217 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $469,000 (Feb 2024) |
| Tax Bill | $6,688 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer Feb 2024 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-062049 |
| Primary APN | 16-062049 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,488 sqft Total Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 11,217 sqft (0.258 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Deck Area | 156 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 062049 |
|---|---|
| Street Address | 6148 ENCOUNTER ROW |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-4346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 46 S 5 AR 6 6148 ENCOUNTER ROW VIL OAKLAND MILLS |
| Legal Subdivision | VILLAGE OF OAKLAND MILLS |
| Legal Lot Number | 46 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 606603 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 6148 ENCOUNTER ROW, COLUMBIA, MD 21045-4346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2024 | Intrafamily Transfer, Transfer NOT AVAILABLE, BRENNAN TITLE COMPANY |
| Feb 14, 2024 | Deed, Transfer NOT AVAILABLE, BRENNAN TITLE COMPANY |
| Feb 14, 2024 | Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 13, 2017 | Grant Deed, Subdivision Related Transfer · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 14, 2024 · Amount on Record |
| Deed Sale | Feb 14, 2024 · Amount on Record |
| Prior Sale | Feb 14, 2024 · Amount on Record |
| Prior Transfer Date | Jan 31, 2024 |
| Prior Transfer Doc | 0222600057 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 14, 2024 |
| Property Address | 6148 ENCOUNTER ROW, COLUMBIA, MD 21045-4346 |
| Document Number | 0222600057 |
| Book / Page | 22260 / 57 |
| Map Reference | MB 21 FO 71 |
| Instrument Date | Jan 31, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Title Company | NOT AVAILABLE, BRENNAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6148 ENCOUNTER ROW, COLUMBIA, MD 21045-4346 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 14, 2024 |
| Property Address | 6148 ENCOUNTER ROW, COLUMBIA, MD 21045-4346 |
| Document Number | 0222600063 |
| Book / Page | 22260 / 63 |
| Map Reference | MB 21 FO 71 |
| Instrument Date | Jan 31, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Title Company | NOT AVAILABLE, BRENNAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,345.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6148 ENCOUNTER ROW, COLUMBIA, MD 21045-4346 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 14, 2024 |
| Property Address | 6148 ENCOUNTER ROW, COLUMBIA, MD 21045-4346 |
| Document Number | 0222600071 |
| Book / Page | 22260 / 71 |
| Map Reference | MB 21 FO 71 |
| Instrument Date | Jan 31, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Title Company | NOT AVAILABLE, BRENNAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,172.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6148 ENCOUNTER ROW, COLUMBIA, MD 21045-4346 |
| Document Number | 0002226079 |
|---|---|
| Date | Feb 14, 2024 |
| Instrument | 22260/79 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6148 ENCOUNTER ROW, COLUMBIA, MD 21045-4346 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0208520077 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 20852/77 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | May 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Nov 13, 2017 |
| Property Address | 6148 ENCOUNTER ROW, COLUMBIA, MD 21045-4346 |
| Document Number | 0179140485 |
| Book / Page | 017914 / 000485 |
| Instrument Date | Nov 2, 2017 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 17, 2017 |
| Title Company | HOME FIRST TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $335.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 6148 ENCOUNTER ROW COLUMBIA MD 210454346, COLUMBIA, MD 21045-4346 |
| Document Number | 179140491 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 017914/000491 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 12, 2047 |
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 | $449,300 (+6.32%) Land $207,900 Building $241,400 | $449,300 (-) Land $207,900 Building $241,400 | |
| 2025 | $6,688.00 (+6.09%) | $422,600 (+14.46%) | $449,300 (+21.7%) Land $207,900 Building $241,400 |
| 2024 | $6,304.00 (+61.81%) | ||
| 2023 | $369,200 Land $187,900 Building $181,300 | $369,200 Land $187,900 Building $181,300 | |
| 2022 | $3,896.00 |
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 | 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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