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6413 Saddle Dr, Columbia, MD 21045 Property Records

Howard County property record for 6413 Saddle Dr, Columbia, MD 21045 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 2,322 sqft · built 1990
Lot Size0.32 acres (13,952 sqft)
Owner2 Individual Names on File
Last Sale$460,000 (Jul 2011)
Tax Bill$8,374 (2025)
Deeds & MortgagesMay 2022 Line of Credit
Mar 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN16-188859

Property Details

APN / Parcel Number

Primary APN16-188859
Alternative APN
  • 188859

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,322 sqft Total Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area13,952 sqft (0.32 acres)
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
Deck Area527 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number188859
Street Address6413 SADDLE DR
CityCOLUMBIA
StateMD
Zip21045-5618
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 152 .308 A 6413 SADDLE DR VIL LONGREACH S 2 A 2
Legal SubdivisionVILLAGE LONGREACH SEC 2
Legal Lot Number152
JurisdictionHOWARD MD
Township / Civil Division6, SAVAGE
Census Block Group1
Census Block1000
Census Tract606706

Owner

Source: Howard County records · APN 16-188859

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 Record2 Individual Names on File
Mailing Address6413 SADDLE DR, COLUMBIA, MD 21045-5618
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 04, 2022Deed of Trust, Mortgage · Line of Credit
TOWER FCU
Mar 22, 2021Intrafamily Transfer, Transfer · Conventional Mortgage
TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 05, 2011 · Amount on Record
Deed SaleJul 05, 2011 · Amount on Record
Prior SaleJul 05, 2011 · Amount on Record
Deed Document Number201113319/0120
Deed Book / Page13319 / 120
Last Transfer DateJan 21, 2021
Transfer Doc2035000335
Record UpdatedSep 20, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHOWARD MD
Property Address6413 SADDLE DR, COLUMBIA, MD 21045-5618
Transaction TypeMortgage
Record UpdatedOct 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0215020143
DateMay 04, 2022
Book Page21502/143
Lender
NameTOWER FCU
TypeCredit Union
AddressLAUREL, MD 20707
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueApr 25, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHOWARD MD
Recording DateMar 22, 2021
Property Address6413 SADDLE DR, COLUMBIA, MD 21045-5618
Document Number0203520335
Book / Page20352 / 335
Map ReferencePL 7818
Instrument DateJan 21, 2021
Transaction TypeTransfer
Record UpdatedAug 11, 2022
Title CompanyLAKESIDE TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address6413 SADDLE DR, COLUMBIA, MD 21045-5618

Mortgage

Document Number0203520340
DateMar 22, 2021
Book Page20352/340
Lender
NameTOWNEBANK MORTGAGE
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23451
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueFeb 01, 2051

Tax Assessment & Valuation

Source: Howard County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyHoward County
Unified School DistrictHoward County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$616,400 (+7.64%) Land $251,400 Building $365,000$616,400 (-) Land $251,400 Building $365,000
2025$8,374.00 (+54.33%) Homeowner's exemption$572,667 (+18.03%)$616,400 (+27.04%) Land $251,400 Building $365,000
2023$485,200 Land $196,400 Building $288,800$485,200 Land $196,400 Building $288,800
2022$5,426.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Howard County (24027C), updated October 31, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240276067061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies6 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 404 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
VerizonFiber2,300 / 2,300
XfinityCable2,000 / 250
Believe WirelessFixed Wireless (unlicensed)500 / 100

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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