6385 Waterloo Rd, Elkridge, MD 21075 Property Records

Howard County property record for 6385 Waterloo Rd, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,923 sqft · built 1999
Lot Size	0.311 acres (13,556 sqft)
Owner	2 Individual Names on Record
Last Sale	$542,500 (Aug 2022)
Tax Bill	$6,695 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-259857`

Property Details

APN / Parcel Number

Primary APN	`01-259857`
Alternative APNs	`1259857` `259857`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,923 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,556 sqft (0.311 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	55 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	259857
Street Address	6385 WATERLOO RD
City	ELKRIDGE
State	MD
Zip	21075-6422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Legal Description	LOT 2 13,556 SQ 6385 WATERLOO RD PFEIFFER CORNERS
Legal Subdivision	PFEIFFER CORNERS
Legal Lot Number	2
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	1
Census Block	1001
Census Tract	601107

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 Individual Names on Record
Mailing Address	6385 WATERLOO RD, ELKRIDGE, MD 21075-6422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2022 · Amount on Record
Deed Sale	Aug 17, 2022 · Amount on Record
Prior Sale	Aug 16, 1999 · Amount on Record
Deed Book / Page	21671 / 407
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Aug 17, 2022
Property Address	6385 WATERLOO RD, ELKRIDGE, MD 21075-6422
Document Number	0216710407
Book / Page	21671 / 407
Map Reference	PL MDR 10910
Instrument Date	Aug 9, 2022
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$8,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6385 WATERLOO RD, ELKRIDGE, MD 21075-6422

Mortgage

Document Number	0021671415
Date	Aug 17, 2022
Instrument	21671/415

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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	$6,695.00 (-3.74%) Homeowner's exemption	$508,600 (+7.97%) Land $216,200 Building $292,400	$508,600 (-) Land $216,200 Building $292,400
2025	$6,955.00 (+60.81%) Homeowner's exemption	$471,067 (+18.96%)	$508,600 (+28.43%) Land $216,200 Building $292,400
2023		$396,000 Land $151,200 Building $244,800	$396,000 Land $151,200 Building $244,800
2022	$4,325.00

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2015 · rainfall accumulation

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 99.1% of the US · lower than 98.5% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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