Howard County property record for 6323 Ema Ct, Elkridge, MD 21075
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,450 sqft · built 2005 |
| Lot Size | 0.178 acres (7,756 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $610,000 (Mar 2022) |
| Tax Bill | $7,933 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-290754 |
| Primary APN | 01-290754 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,450 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,756 sqft (0.178 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 290754 |
|---|---|
| Street Address | 6323 EMA CT |
| City | ELKRIDGE |
| State | MD |
| Zip | 21075-6243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC |
| Legal Description | LOT 3 7756 SQ' 6323 EMA COURT EMA'S MANOR INCL RSB PAR |
| Legal Subdivision | EMAS MANOR |
| Legal Lot Number | 3 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 1, ELKRIDGE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 601108 |
Source: Howard County records, as of September 4, 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 | 6323 EMA CT, ELKRIDGE, MD 21075-6243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · FHA Mortgage COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES |
| Mar 3, 2022 | Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 3, 2022 · Amount on Record |
| Deed Sale | Mar 3, 2022 · Amount on Record |
| Prior Sale | Aug 6, 2004 · Amount on Record |
| Deed Book / Page | 21375 / 2 |
| Transfer Doc | 0085360659 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Jul 29, 2026 |
| Property Address | 6323 EMA CT, ELKRIDGE, MD 21075-6243 |
| Document Number | 2334000354 |
| Book / Page | 23343 / 354 |
| Instrument Date | Jul 21, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6323 EMA CT, ELKRIDGE, MD 21075-6243 |
| Document Number | 2334000354, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 23343/354 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 308 Months |
| Due | Mar 1, 2052 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Mar 3, 2022 |
| Property Address | 6323 EMA CT, ELKRIDGE, MD 21075-6243 |
| Document Number | 0213750002 |
| Book / Page | 21375 / 2 |
| Map Reference | PL 16262-16263 |
| Instrument Date | Feb 28, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | WORLDWIDE SETTLEMENTS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 6323 EMA CT, ELKRIDGE, MD 21075-6243 |
| Document Number | 0000213757 |
|---|---|
| Date | Mar 3, 2022 |
| Instrument | 21375/7 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
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 | $7,933.00 (-3.83%) Homeowner's exemption | $612,100 (+7.98%) Land $192,400 Building $419,700 | $612,100 (-) Land $192,400 Building $419,700 |
| 2025 | $8,249.00 (+5.08%) Homeowner's exemption | $566,867 (+18.99%) | $612,100 (+28.48%) Land $192,400 Building $419,700 |
| 2024 | $7,850.00 (+46.35%) | ||
| 2023 | $476,400 Land $127,400 Building $349,000 | $476,400 Land $127,400 Building $349,000 | |
| 2022 | $5,364.00 |
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 | 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.
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 404 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| Believe Broadband Fixed Wireless | 500 / 100 |
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