7201 Waterloo Pass, Elkridge, MD 21075 Property Records

Howard County property record for 7201 Waterloo Pass, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,594 sqft · built 2002
Lot Size	0.055 acres (2,382 sqft)
Owner	Individual Name on File
Last Sale	$197,500 (Nov 2013)
Tax Bill	$5,318 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-298143`

Property Details

APN / Parcel Number

Primary APN	`01-298143`
Alternative APN	`298143`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,594 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,382 sqft (0.055 acres)
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	25 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	298143
Street Address	7201 WATERLOO PASS
City	ELKRIDGE
State	MD
Zip	21075-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMH
Legal Description	LOT 6 2,382 SQ' 7201 WATERLOO PASS NEW COLONY VILLAGE
Legal Subdivision	NEW COLONY VILLAGE
Legal Lot Number	6
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	2
Census Block	2048
Census Tract	601203

Owner

7201 Waterloo Pass is owned and occupied by an individual who bought it in November 2013.

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

Owner of Record	Individual Name on File
Mailing Address	7201 WATERLOO PASS, ELKRIDGE, MD 21075-7904
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 11, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 14, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN BANCSHARES MORTGAGE LLC
Feb 25, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN BANCSHARES MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2013 · Amount on File
Deed Sale	Nov 12, 2013 · Amount on File
Prior Sale	Nov 16, 2006 · Amount on File
Deed Book / Page	15330 / 77
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7201 WATERLOO PASS, ELKRIDGE, MD 21075-7904
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7201 WATERLOO PASS, ELKRIDGE, MD 21075-7904

Mortgage

Document Number	0230160329
Date	Nov 25, 2025
Book Page	23016/329

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Jan 1, 2054

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7201 WATERLOO PASS, ELKRIDGE, MD 21075-7904
Transaction Type	Mortgage
Record Updated	Oct 25, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7201 WATERLOO PASS, ELKRIDGE, MD 21075-7904

Mortgage

Document Number	0221440099
Date	Oct 11, 2023
Book Page	22144/99

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	327 Months
Due	Jan 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7201 WATERLOO PASS, ELKRIDGE, MD 21075-7904
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	INDEPENDENT T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190140376
Date	Nov 14, 2019
Book Page	19014/376

Lender

Name	AMERICAN BANCSHARES MORTGAGE LLC
Type	Mortgage Company
Address	HIALEAH, FL 33016

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7201 WATERLOO PASS, ELKRIDGE, MD 21075-7904
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	INDEPENDENT TITLE, INDEPENDENT T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7201 WATERLOO PASS, ELKRIDGE, MD 21075-7904

Mortgage

Document Number	0202570338
Date	Feb 25, 2021
Book Page	20257/338

Lender

Name	AMERICAN BANCSHARES MORTGAGE LLC
Type	Mortgage Company
Address	HIALEAH, FL 33016

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 7201 Waterloo Pass was $5,318, up 6.4% 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	$5,318.00 (+6.4%)	$357,500 (+6.25%) Land $100,000 Building $257,500	$357,500 (-) Land $100,000 Building $257,500
2025	$4,998.00	$336,467	$357,500 Land $100,000 Building $257,500
2023		$294,400 Land $70,000 Building $224,400	$294,400 Land $70,000 Building $224,400
2022	$3,122.00

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

Flood

FEMA maps place 7201 Waterloo Pass 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	8 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 7201 Waterloo Pass 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.

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 586 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 · Fiber in parts of the area	2,000 / 250
Believe Broadband Fixed Wireless	500 / 100

May also be available: AT&T.

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