6470 Montgomery Rd, Elkridge, MD 21075 Property Records

Howard County property record for 6470 Montgomery Rd, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,100 sqft · built 1925
Lot Size	0.46 acres (20,037 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,018 (2026)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-195522`

Property Details

APN / Parcel Number

Primary APN	`01-195522`
Alternative APNs	`1195522` `195522`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,100 sqft Total Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,037 sqft (0.46 acres)
Porch	Porch
Porch Area	198 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	195522
Street Address	6470 MONTGOMERY RD
City	ELKRIDGE
State	MD
Zip	21075-5939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LOT 2 .460 A 6470 MONTGOMERY RD ELKRIDGE
Legal Subdivision	ELKRIDGE
Legal Lot Number	2
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	3
Census Block	3001
Census Tract	601103

Owner

6470 Montgomery Rd is owned and occupied by two individuals.

Source: Howard County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6470 MONTGOMERY RD, ELKRIDGE, MD 21075-5939
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	6470 MONTGOMERY RD, ELKRIDGE, MD 21075-5939
Document Number	0180310361
Book / Page	018031 / 000361
Instrument Date	Jan 18, 2018
Transaction Type	Mortgage
Record Updated	Feb 6, 2018
Title Company	EMERALD BAY ESCROW SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6470 MONTGOMERY RD ELKRIDGE MD 210755939, ELKRIDGE, MD 21075-5939

Mortgage

Document Number	0180310361
Date	Jan 30, 2018
Book Page	018031/000361

Lender

Name	SECURITYPLUS FCU
Type	Credit Union
Address	BALTIMORE, MD 21244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 29, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 6470 Montgomery Rd was $4,018 with a homeowner's exemption, down 8.1% from the year before.

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	$4,018.00 (-8.14%) Homeowner's exemption	$312,000 (+3.43%) Land $219,500 Building $92,500	$312,000 (-) Land $219,500 Building $92,500
2025	$4,374.00 Homeowner's exemption	$301,667	$312,000 Land $219,500 Building $92,500
2023		$281,000 Land $219,500 Building $61,500	$281,000 Land $219,500 Building $61,500
2022	$2,860.00

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

Flood

FEMA maps place 6470 Montgomery Rd in Zone X, an area of minimal flood risk.

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	2 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.

Wildfire

Wildfire risk around 6470 Montgomery Rd is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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