6323 Montery Rd, Elkridge, MD 21075 Property Records

Howard County property record for 6323 Montery Rd, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	6 ba · 4,676 sqft · built 2003
Lot Size	0.325 acres (14,146 sqft)
Owner	2 Trust Names on File
Last Sale	$160,000 (Dec 2002)
Tax Bill	$14,253 (2026)
Deeds & Mortgages	Sep 2018 Mortgage Jun 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-291866`

Property Details

APN / Parcel Number

Primary APN	`01-291866`
Alternative APNs	`1291866` `291866`

Interior

Full Baths	6 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,676 sqft Total Area
Basement Area	1,743 sqft
Finished Basement	1,743 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,146 sqft (0.325 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	291866
Street Address	6323 MONTERY RD
City	ELKRIDGE
State	MD
Zip	21075-6926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 4 14146 SQ 6323 MONTERY RD ROCKBURN MANOR
Legal Subdivision	ROCKBURN MANOR
Legal Lot Number	4
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	1
Census Block	1016
Census Tract	601104

Owner

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 Trust Names on File
Mailing Address	6323 MONTERY RD, ELKRIDGE, MD 21075-6926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF COMMERCE FCU
Jun 19, 2019	Deed of Trust, Mortgage · Line of Credit DEPARTMENT OF COMMERCE FCU
Nov 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF COMMERCE FCU
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF COMMERCE FCU
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF COMMERCE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2002 · Amount on File
Deed Sale	Dec 20, 2002 · Amount on File
Deed Document Number	200230469
Deed Book / Page	6709 / 462
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6323 MONTERY RD, ELKRIDGE, MD 21075-6926
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0183700417
Date	Sep 19, 2018
Book Page	18370/417

Lender

Name	DEPARTMENT OF COMMERCE FCU
Type	Credit Union
Address	WASHINGTON, DC 20230

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2043

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6323 MONTERY RD, ELKRIDGE, MD 21075-6926
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0187300206
Date	Jun 19, 2019
Book Page	18730/206

Lender

Name	DEPARTMENT OF COMMERCE FCU
Type	Credit Union
Address	WASHINGTON, DC 20044

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 18, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6323 MONTERY RD, ELKRIDGE, MD 21075-6926
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190030453
Date	Nov 7, 2019
Book Page	19003/453

Lender

Name	DEPARTMENT OF COMMERCE FCU
Type	Credit Union
Address	WASHINGTON, DC 20230

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	299 Months
Due	Oct 1, 2044

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6323 MONTERY RD, ELKRIDGE, MD 21075-6926
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0211020412
Date	Nov 15, 2021
Book Page	21102/412

Lender

Name	DEPARTMENT OF COMMERCE FCU
Type	Credit Union
Address	WASHINGTON, DC 20230

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Nov 1, 2046

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6323 MONTERY RD, ELKRIDGE, MD 21075-6926
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0214450124
Date	Apr 6, 2022
Book Page	21445/124

Lender

Name	DEPARTMENT OF COMMERCE FCU
Type	Credit Union
Address	WASHINGTON, DC 20230

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	295 Months
Due	Nov 1, 2046

Tax Assessment & Valuation

Source: Howard County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Howard County
Unified School District	Howard County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,253.00 (-3.44%) Homeowner's exemption	$1,112,500 (+7.64%) Land $216,500 Building $896,000	$1,112,500 (-) Land $216,500 Building $896,000
2025	$14,761.00 (+57.1%) Homeowner's exemption	$1,033,567 (+18.03%)	$1,112,500 (+27.04%) Land $216,500 Building $896,000
2023		$875,700 Land $201,500 Building $674,200	$875,700 Land $201,500 Building $674,200
2022	$9,396.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2018 · Severe Storm And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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