Howard County property record for 6524 Waving Tree Ct, Columbia, MD 21044
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,082 sqft · built 1998 |
| Lot Size | 0.169 acres (7,381 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $725,000 (Dec 2022) |
| Tax Bill | $10,813 (2026) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-117931 |
| Primary APN | 15-117931 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,082 sqft Total Area |
| Basement Area | 794 sqft |
| Finished Basement | 794 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,381 sqft (0.169 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 45 sqft |
| Deck Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 117931 |
|---|---|
| Street Address | 6524 WAVING TREE CT |
| City | COLUMBIA |
| State | MD |
| Zip | 21044-6039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 244 7,381 SQ 6524 WAVING TREE CT VIL RIV HIL S2 A6 PH 1 |
| Legal Subdivision | COLUMBIA VILLAGE OF RIVER HILL AREA 2 |
| Legal Phase | 1 |
| Legal Lot Number | 244 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 5, CLARKSVILLE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 605505 |
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 File |
|---|---|
| Mailing Address | 6524 WAVING TREE CT, COLUMBIA, MD 21044-6039 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 5, 2022 | Deed, Transfer · Conventional Mortgage TD BANK NA |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Sep 4, 2018 | Grant Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2022 · Amount on File |
| Deed Sale | Dec 5, 2022 · Amount on File |
| Prior Sale | Sep 4, 2018 · Amount on File |
| Deed Book / Page | 21816 / 492 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Dec 5, 2022 |
| Property Address | 6524 WAVING TREE CT, COLUMBIA, MD 21044-6039 |
| Document Number | 0218160492 |
| Book / Page | 21816 / 492 |
| Map Reference | MB 12696 |
| Instrument Date | Dec 2, 2022 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6524 WAVING TREE CT, COLUMBIA, MD 21044-6039 |
| Document Number | 0021816498 |
|---|---|
| Date | Dec 5, 2022 |
| Instrument | 21816/498 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.2% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6524 WAVING TREE CT, COLUMBIA, MD 21044-6039 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0200380154 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 20038/154 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 6524 WAVING TREE CT, COLUMBIA, MD 21044-6039 |
| Document Number | 0188010058 |
| Instrument Date | Jul 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2019 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6524 WAVING TREE CT COLUMBIA MD 210446039, COLUMBIA, MD 21044-6039 |
| Document Number | 0188010058 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | 018801/000058 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 31, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 4, 2018 |
| Property Address | 6524 WAVING TREE CT, COLUMBIA, MD 21044-6039 |
| Document Number | 0183470289 |
| Book / Page | 018347 / 000289 |
| Instrument Date | Aug 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2018 |
| Title Company | TITLE FORWARD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $650.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6524 WAVIN TREE CT COLUMBIA MD 21044, COLUMBIA, MD 21044 |
| Document Number | 183470296 |
|---|---|
| Date | Sep 4, 2018 |
| Book Page | 018347/000296 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Bank |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 3, 2048 |
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 | $10,813.00 (+2.99%) Homeowner's exemption | $738,933 (+6.14%) | $781,700 (-) Land $420,700 Building $361,000 |
| 2025 | $10,499.00 (+52.62%) Homeowner's exemption | $696,167 (+10.12%) | $781,700 (+19.64%) Land $420,700 Building $361,000 |
| 2023 | $632,167 | $653,400 Land $380,700 Building $272,700 | |
| 2022 | $6,879.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 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.
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.
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 339 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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