Howard County property record for 9522 Saddlebag Row, Columbia, MD 21045
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,320 sqft · built 1973 |
| Lot Size | 0.204 acres (8,866 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $169,900 (Mar 2002) |
| Tax Bill | $5,121 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-097705 |
| Primary APN | 16-097705 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,866 sqft (0.204 acres) |
| Porch | Slab |
| Porch Area | 48 sqft |
| Deck Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 097705 |
|---|---|
| Street Address | 9522 SADDLEBAG ROW |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-4333 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NT |
| Legal Description | LOT 218 S 5 AR 6 9522 SADDLEBAG ROW FAREWELL RD NS |
| Legal Subdivision | VILLAGE OF OAKLAND MILLS |
| Legal Lot Number | 218 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 606603 |
Source: Howard County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9522 SADDLEBAG ROW, COLUMBIA, MD 21045-4333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2002 · Amount on Record |
| Deed Sale | Mar 8, 2002 · Amount on Record |
| Prior Sale | Jun 16, 1998 · Amount on Record |
| Deed Document Number | 20021954 |
| Deed Book / Page | 6041 / 266 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9522 SADDLEBAG ROW, COLUMBIA, MD 21045-4333 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | LAKESIDE TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 9522 SADDLEBAG ROW, COLUMBIA, MD 21045-4333 |
| Document Number | 0199130260 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 19913/260 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9522 SADDLEBAG ROW, COLUMBIA, MD 21045-4333 |
| Document Number | 0176700330 |
| Instrument Date | Jun 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Title Company | LAKESIDE TITLE COMPANY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9522 SADDLEBAG ROW COLUMBIA MD 210454333, COLUMBIA, MD 21045-4333 |
| Document Number | 0176700330 |
|---|---|
| Date | Jun 28, 2017 |
| Book Page | 017670/000330 |
| Name | WELLS FARGO BK |
|---|---|
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 27, 2047 |
Source: Howard County assessment roll, as of August 4, 2025
| 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 | $361,800 (+5.87%) Land $197,300 Building $164,500 | $361,800 (-) Land $197,300 Building $164,500 | |
| 2025 | $5,121.00 (+60.08%) Homeowner's exemption | $341,733 (+13.31%) | $361,800 (+19.96%) Land $197,300 Building $164,500 |
| 2023 | $301,600 (+6.15%) Land $177,300 Building $124,300 | $301,600 (-) Land $177,300 Building $124,300 | |
| 2022 | $3,199.00 Homeowner's exemption | $284,133 | $301,600 Land $177,300 Building $124,300 |
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 | 8 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 527 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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