Howard County property record for 6445 Old Highgate Dr, Elkridge, MD 21075
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,488 sqft · built 1992 |
| Lot Size | 0.101 acres (4,416 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $339,000 (Apr 2017) |
| Tax Bill | $5,265 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-248383 |
| Primary APN | 01-248383 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,488 sqft Total Area |
| Basement Area | 580 sqft |
| Finished Basement | 580 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 4,416 sqft (0.101 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 72 sqft |
| Deck Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 248383 |
|---|---|
| Street Address | 6445 OLD HIGHGATE DR |
| City | ELKRIDGE |
| State | MD |
| Zip | 21075-6174 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMH |
| Legal Description | LOT 55 .101 A 6445 OLD HIGHGATE DR NOTTINGHAM VILLAGE SEC 1 |
| Legal Subdivision | NOTTINGHAM VILLAGE SEC 01 |
| Legal Lot Number | 55 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 1, ELKRIDGE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 601103 |
6445 Old Highgate Dr is owned and occupied by two individuals who bought it in April 2017.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6445 OLD HIGHGATE DR, ELKRIDGE, MD 21075-6174 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MUNICIPAL EMPS CREDIT UNION/BALTIMORE |
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 5, 2017 | Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 5, 2017 · Amount on File |
| Deed Sale | Apr 5, 2017 · Amount on File |
| Prior Sale | May 9, 2001 · Amount on File |
| Deed Document Number | 2017523-341 |
| Deed Book / Page | 17523 / 341 |
| Prior Transfer Date | May 29, 2015 |
| Prior Transfer Doc | 0162660087 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 9, 2026 |
| Property Address | 6445 OLD HIGHGATE DR, ELKRIDGE, MD 21075-6174 |
| Document Number | 2318000028 |
| Book / Page | 23183 / 28 |
| Instrument Date | Mar 26, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MARVEL TITLE |
| Name | Verified Name |
|---|---|
| Address | 6445 OLD HIGHGATE DR, ELKRIDGE, MD 21075-6174 |
| Document Number | 2318000028, |
|---|---|
| Date | Apr 9, 2026 |
| Book Page | 23183/28 |
| Name | MUNICIPAL EMPS CREDIT UNION/BALTIMORE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 30, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.44% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6445 OLD HIGHGATE DR, ELKRIDGE, MD 21075-6174 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0211300111 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 21130/111 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 295 Months |
| Due | Jun 1, 2046 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 5, 2017 |
| Property Address | 6445 OLD HIGHGATE DR, ELKRIDGE, MD 21075-6174 |
| Document Number | 0175230341 |
| Book / Page | 017523 / 000341 |
| Instrument Date | Mar 31, 2017 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2017 |
| Title Company | TITLE FORWARD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $339.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6445 OLD HIGHGATE DR ELKRIDGE MD 210756174, ELKRIDGE, MD 21075-6174 |
| Document Number | 175230349 |
|---|---|
| Date | Apr 5, 2017 |
| Book Page | 017523/000349 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 4, 2047 |
The 2026 property tax bill for 6445 Old Highgate Dr was $5,265 with a homeowner's exemption, down 11.1% from the year before.
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 | $5,265.00 (-11.09%) Homeowner's exemption | $467,100 (+10.26%) Land $180,000 Building $287,100 | $467,100 (-) Land $180,000 Building $287,100 |
| 2025 | $5,922.00 (+5.28%) Homeowner's exemption | $423,633 | $467,100 Land $180,000 Building $287,100 |
| 2024 | $5,625.00 | ||
| 2023 | $336,700 Land $140,000 Building $196,700 | $336,700 Land $140,000 Building $196,700 | |
| 2022 | $3,722.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6445 Old Highgate Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2011 · Hurricane Irene |
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 risk around 6445 Old Highgate Dr is low, with less than a 0.01% annual chance of 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.
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 246 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 | 1,200 / 35 |
| Believe Broadband Fixed Wireless | 500 / 100 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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