7213 Waterloo Pass, Elkridge, MD 21075 Property Records

Howard County property record for 7213 Waterloo Pass, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,594 sqft · built 2002
Lot Size	0.09 acres (3,913 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Jun 2026)
Tax Bill	$4,972 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-298194`

Property Details

APN / Parcel Number

Primary APN	`01-298194`
Alternative APN	`298194`

Interior

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

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,913 sqft (0.09 acres)
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	140 sqft
Deck Area	270 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	298194
Street Address	7213 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 9 3,913 SQ' 7213 WATERLOO PASS NEW COLONY VILLAGE
Legal Subdivision	NEW COLONY VILLAGE
Legal Lot Number	9
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	2
Census Block	2048
Census Tract	601203

Owner

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 Record
Mailing Address	7213 WATERLOO PASS, ELKRIDGE, MD 21075-7904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed, Transfer · Conventional Mortgage MUTUAL/OMAHA MORTGAGE LLC
Aug 18, 2022	Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	Aug 18, 2022 · Amount on Record
Deed Book / Page	23282 / 371
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Jun 17, 2026
Property Address	7213 WATERLOO PASS, ELKRIDGE, MD 21075-7904
Document Number	2328000371
Book / Page	23282 / 371
Instrument Date	May 28, 2026
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	CERTIFIED TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$449,450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7213 WATERLOO PASS, ELKRIDGE, MD 21075-7904

Mortgage

Document Number	2328000380,
Date	Jun 17, 2026
Book Page	23282/380

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Aug 18, 2022
Property Address	7213 WATERLOO PASS, ELKRIDGE, MD 21075-7904
Document Number	0216790424
Book / Page	21679 / 424
Map Reference	PL 17327-17345
Instrument Date	Jun 24, 2022
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	NOT AVAILABLE, RESULTS TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,865.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7213 WATERLOO PASS, ELKRIDGE, MD 21075-7904

Mortgage

Document Number	0021679432
Date	Aug 18, 2022
Instrument	21679/432

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

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	$4,972.00 (+0.69%) Homeowner's exemption	$365,500 (+6.37%) Land $100,000 Building $265,500	$365,500 (-) Land $100,000 Building $265,500
2025	$4,938.00 (+5.09%) Homeowner's exemption	$343,600 (+14.61%)	$365,500 (+21.91%) Land $100,000 Building $265,500
2024	$4,699.00 (+47.86%)
2023		$299,800 Land $70,000 Building $229,800	$299,800 Land $70,000 Building $229,800
2022	$3,178.00

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

Flood

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

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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