9544 Saddlebag Row, Columbia, MD 21045 Property Records

Howard County property record for 9544 Saddlebag Row, Columbia, MD 21045

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,320 sqft · built 1973
Lot Size	0.13 acres (5,659 sqft)
Owner	2 Individual Names on Record
Last Sale	$316,000 (Jul 2018)
Tax Bill	$5,963 (2026)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-105872`

Property Details

APN / Parcel Number

Primary APN	`16-105872`
Alternative APN	`105872`

Interior

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

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,659 sqft (0.13 acres)
Porch	Slab
Porch Area	48 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	105872
Street Address	9544 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 222 S 5 AR 6 9544 SADDLEBAG ROW VIL OAKLAND MILLS
Legal Subdivision	COLUMBIA VILLAGE OF OAKLAND MILLS
Legal Lot Number	222
Jurisdiction	HOWARD MD
Township / Civil Division	6, SAVAGE
Census Block Group	3
Census Block	3001
Census Tract	606603

Owner

Source: Howard County records, as of September 4, 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	9544 SADDLEBAG ROW, COLUMBIA, MD 21045-4333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2018 · Amount on Record
Deed Sale	Jul 5, 2018 · Amount on Record
Prior Sale	Jul 9, 2013 · Amount on Record
Deed Book / Page	18261 / 372
Prior Transfer Date	Nov 9, 2012
Prior Transfer Doc	0146010167
Record Updated	Oct 29, 2026

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Jul 5, 2018
Property Address	9544 SADDLEBAG ROW, COLUMBIA, MD 21045-4333
Document Number	0182610372
Book / Page	018261 / 000372
Instrument Date	Jun 29, 2018
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	LAKESIDE TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9544 SADDLEBAG ROW COLUMBIA MD 210454333, COLUMBIA, MD 21045-4333

Mortgage

Document Number	182610380
Date	Jul 5, 2018
Book Page	018261/000380

Lender

Name	PRIMELENDING VENTURES
Type	Construction/Development Company
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2048

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	$5,963.00 (+6.16%)	$378,500 (+6.41%) Land $182,900 Building $195,600	$378,500 (-) Land $182,900 Building $195,600
2025	$5,617.00 (+72.83%)	$355,700 (+14.7%)	$378,500 (+22.06%) Land $182,900 Building $195,600
2023		$310,100 Land $162,900 Building $147,200	$310,100 Land $162,900 Building $147,200
2022	$3,250.00

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
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.

Wildfire

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.

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 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