OFF MARKET

Off Market Feb 2025 for $780K

$1,009,144

Est. refi paymentEst. refi $4,925/mo

•

4,642

sq ft

5020 Waterloo Rd, Ellicott City, MD 21043

About this home

The property is back on the market due to the buyer's unforeseen job loss, with no fault attributed to the sellers. Discover a rare gem in the heart of Ellicott City, Howard County. This exceptional property offers unmatched versatility, featuring an updated kitchen with granite countertops, 7 spacious bedrooms, each with its own ensuite bathroom, 2 additional half bathrooms, and 4 dedicated office spaces. Nestled on nearly half an acre, this home is perfect for a large family, with the unique option to live on one side while renting out the other for supplemental income. The property’s versatility extends beyond residential. It is an ideal investment opportunity for generating income through rental arrangements for families, medical offices, or professional workspaces while residing on one side of the property. Exempt from HOA restrictions and upgraded to follow ADA standards, this property is ideally suited for use as a large office space, senior care facility, Assisted Living Facility (ALF), veterans housing, or other specialized services. Enjoy the expansive backyard from a wrap-around deck, complete with an ADA-compliant ramp for easy access to the ground floor. Whether you're seeking a home or a property with commercial potential, this is a must-see. Schedule your private viewing today and explore the endless possibilities this remarkable property offers.

Single-familyProperty Type

1967Year Built

0.48 acresLot Size

$217Est. Price/Sq.Ft.

5 spacesParking

Listed by Kate Szallo • Smart Realty, LLC

•301-445-1395 (broker)

•generalmanager@smartrealtymd.com (broker)

Bought with Marina Gitas • EXP Realty, LLC

•888-860-7369 (broker)

•md.broker@exprealty.net (broker)

Redfin checked: 2 minutes ago

•Source:BRIGHT MLS #MDHW2043378

Redfin Estimate

$1,009,144

$229K since sold in February 2025$28K since July

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 9.2% higher than the average sale price ($924K) of 6 comparable homes.

SOLD AUG 14, 2026
$830,000
A
5 beds3.5 baths3,814 sq ft
5404 Radel Ct, Ellicott City, MD 21043
SOLD AUG 7, 2026
$1,035,000
B
5 beds4 baths3,492 sq ft
5308 E Gladys Pl, Ellicott City, MD 21043
SOLD MAY 28, 2026
$1,050,000
C
6 beds5 baths4,874 sq ft
8114 Kylemore Way, Ellicott City, MD 21043
SOLD AUG 13, 2026
$883,500
D
5 beds3.5 baths3,652 sq ft
5016 Brampton Pkwy, Ellicott City, MD 21043
SOLD JUL 15, 2026
$945,000
E
5 beds3.5 baths3,372 sq ft
5114 Crystal Park Ln, Ellicott City, MD 21043
SOLD JUL 17, 2026
$800,000
F
4 beds3.5 baths2,631 sq ft
8313 Jumping Field Ct, Ellicott City, MD 21043

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Earn from this home

Sell

$341,134

Est. take-home

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Refinance

Est. cash available

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Rent

$2,126/mo

Redfin rental estimate

List your home for rent

Market trends in 21043, MD

Last updated July 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

101.7%

0.2% MoM

Median sale price

$629K

$7K MoM

Avg. days on market

17d

8 days MoM

Recently sold homes

144

24 MoM

New listings for sale

OPEN SUN, 1PM TO 3PM
$649,900
3 beds3 baths2,552 sq ft
8418 Timberland Cir, Ellicott City, MD 21043
(301) 966-0035
$310,000
3 beds2 baths1,090 sq ft
8591 Falls Run Rd Unit K, Ellicott City, MD 21043
(410) 761-9500
$360,000
2 beds2 baths1,105 sq ft
7724 Mayfair Cir, Ellicott City, MD 21043
(410) 730-6100
OPEN SAT, 11AM TO 1PM
$475,000
3 beds2.5 baths1,972 sq ft
8062 Brightwood Ct, Ellicott City, MD 21043
(410) 823-0033
OPEN SAT, 12:30PM TO 2:30PM
$425,000
5 beds3.5 baths1,888 sq ft
5468 Hunting Horn Dr, Ellicott City, MD 21043
(410) 823-0033
OPEN SUN, 10AM TO 12PM
$550,000
3 beds3 baths2,880 sq ft
2530 Kensington Gdns #401, Ellicott City, MD 21043
(443) 574-1600
3D WALKTHROUGH
$475,000
4 beds2.5 baths1,876 sq ft
8214 Tall Trees Ct, Ellicott City, MD 21043
(410) 823-0033
COMING SOON
$825,000
4 beds3 baths2,350 sq ft
5111 Marlo Austin Way, Ellicott City, MD 21043
(202) 243-7700
$1,299,999
6 beds6 baths4,241 sq ft
8580 Sunell Ln, Ellicott City, MD 21043
(302) 504-6147
OPEN SAT, 1PM TO 3PM
$774,000
4 beds3 baths2,463 sq ft
8533 High Ridge Rd, Ellicott City, MD 21043
(240) 680-1515
See all

Provided by Redfin

Sale history for 5020 Waterloo Rd

Year

Property tax

Land + Additions

Assessment*

2025

$8,438 (+7.9%)

$219,900 + $367,400

$587,300

2024

$7,822 (+11.0%)

2023

$7,046 (+12.5%)

2022

$6,263 (−2.7%)

$209,900 + $248,800

$458,700

2021

$6,438 (+27.6%)

2020

$5,046 (+4.2%)

2019

$4,844 (+10.6%)

$196,700 + $125,600

$322,300

2018

$4,379 (+5.0%)

2017

$4,170 (+10.2%)

$190,900 + $89,100

$280,000

2015

$3,786 (+0.4%)

$190,900 + $66,800

$257,700

2014

$3,769 (+4.0%)

2013

$3,624

2012

$3,624 (+4.1%)

2011

$3,481 (+4.0%)

2010

$3,345 (+45.8%)

2009

$2,295

Tax history for 5020 Waterloo Rd

Year

Property tax

Land + Additions

Assessment*

2025

$8,438 (+7.9%)

$219,900 + $367,400

$587,300

2024

$7,822 (+11.0%)

2023

$7,046 (+12.5%)

2022

$6,263 (−2.7%)

$209,900 + $248,800

$458,700

2021

$6,438 (+27.6%)

2020

$5,046 (+4.2%)

2019

$4,844 (+10.6%)

$196,700 + $125,600

$322,300

2018

$4,379 (+5.0%)

2017

$4,170 (+10.2%)

$190,900 + $89,100

$280,000

2015

$3,786 (+0.4%)

$190,900 + $66,800

$257,700

2014

$3,769 (+4.0%)

2013

$3,624

2012

$3,624 (+4.1%)

2011

$3,481 (+4.0%)

2010

$3,345 (+45.8%)

2009

$2,295

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Zoning

Beds

—

Baths

Stories

Lot width

—

Lot depth

—

Lot size

0.48 Acres

Year renovated

—

Sq. Ft.

2,358

Year built

1967

Style

Single Family Residential

County

Howard County

APN

02 253186

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 17, 2026.

R-20

Residential Single District

The R-20 District is established to permit single-family detached dwelling units at approximately 2 units per acre. The District reflects the established single-family neighborhood characteristics of many of the stable residential areas of the county.

Permitted uses

Include but are not limited to:

Agriculture
Housing-Single unit
Infrastructure
Public service
Educational/school
Fire house
Recreation
Communications tower

Property details

Parking

Parking Information
# of Total Garage and Parking Spaces: 5
Driveway - # of Spaces: 5
Driveway

Interior

Bedroom Information
# of Bedrooms On Main Level: 5
# of Bedrooms On 1st Lower Level: 2

Bathroom Information
# of Bathrooms (Full) On 1st Upper Level: 1
# of Bathrooms (Half) On Main Level: 1
# of Bathrooms (Full) On Main Level: 4
# of Bathrooms (Half) On 1st Lower Level: 1
# of Bathrooms (Full) On 1st Lower Level: 2
# of Bathrooms (Full) On All Upper Levels: 1
# of Bathrooms (Half) On All Lower Levels: 1
# of Bathrooms (Full) On All Lower Levels: 2
# of Bathrooms (Half): 2
# of Bathrooms (Full): 7

Interior Information
Living Area Sq.Ft. Source: Estimated

Fireplace Information
Has Fireplace
# of Fireplaces: 1

Basement Information
Basement: Yes
Connecting Stairway, Improved, Outside Entrance, Windows

Exterior

Property Information
Total Below Grade Sq. Ft.: 1590
Accessibility Features: Doors - Lever Handle(s)
Improvement Assessed Value: $367,400
Ownership Interest: Fee Simple
Year Built Source: Assessor
Year Major Reno/Remodel: 2018

Building Information
Construction Materials: Block
Foundation Details: Block
Other Structures: Above Grade, Below Grade
Roof: Shingle
Structure Type: Detached

Lot Information
Tidal Water: No

Land Information
Land Assessed Value: $219,900

Above Grade Information
Finished Sq.Ft.: 3,166
Finished Sq.Ft. Source: Estimated

Below Grade Information
Unfinished Sq.Ft.: 114
Unfinished Sq.Ft. Source: Estimated
Finished Sq.Ft.: 1,476
Finished Sq.Ft. Source: Estimated

Financial

Tax Information
County Tax: $5,798
Tax Assessed Value: $501,567
Tax Year: 2024
Tax Annual Amount: $7,849

Assessments Information
Year Assessed: 2024

Utilities

Utilities Information
Central Air
Cooling Type: Central A/C
Cooling Fuel: Electric
Central
Heating Fuel: Natural Gas
Hot Water: Natural Gas
Sewer Septic: Public Sewer
Water Source: Public

Location

School Information
School District Name: HOWARD COUNTY PUBLIC SCHOOL SYSTEM
School District Source: Listing Agent

Location Information
Outside City Limits
Directions: Please search the address 5020 Waterloo Road, Ellicott City, MD 21043.

Public facts

Beds: —
Baths: 1.0
Sq. Ft.: 2,358
Stories: 1.0
Lot Size: 0.48 acres
Style: Single Family Residential
Year Built: 1967
Year Renovated: —
County: Howard County
APN: 02 253186

Home facts updated by county records on Jul 17, 2026

Around this home

Schools

Phelps Luck Elementary School

Public PreK-5 • Assigned • 1.2mi

7/10

Ellicott Mills Middle School

Public 6-8 • Assigned • 1.4mi

10/10

Howard High School

Public 9-12 • Assigned • 0.8mi

9/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

6/10 Heat Factor

7 days above 104° expected this year, 15 days in 30 years

4/10 Wind Factor

21% chance of strong winds in next 30 years

4/10 Air Factor

5 unhealthy days expected this year, 6 days in 30 years

Provided by First Street

Historical weather

Ellicott City, MD • 21043

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.2 hours in June and 4.4 hours in December, placing it below the U.S. average for solar exposure.

9.2 hrs

4.4 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$959,000 – $1.16M

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New listings for sale in 21043

OPEN SUN, 1PM TO 3PM3D WALKTHROUGH

$649,900

3 beds3 baths2,552 sq ft

8418 Timberland Cir, Ellicott City, MD 21043

(301) 966-0035

$310,000

3 beds2 baths1,090 sq ft

8591 Falls Run Rd Unit K, Ellicott City, MD 21043

(410) 761-9500

$360,000

2 beds2 baths1,105 sq ft

7724 Mayfair Cir, Ellicott City, MD 21043

(410) 730-6100

OPEN SAT, 11AM TO 1PM

$475,000

3 beds2.5 baths1,972 sq ft

8062 Brightwood Ct, Ellicott City, MD 21043

(410) 823-0033

OPEN SAT, 12:30PM TO 2:30PM

$425,000

5 beds3.5 baths1,888 sq ft

5468 Hunting Horn Dr, Ellicott City, MD 21043

(410) 823-0033

OPEN SUN, 10AM TO 12PM

$550,000

3 beds3 baths2,880 sq ft

2530 Kensington Gdns #401, Ellicott City, MD 21043

(443) 574-1600

3D WALKTHROUGH

$475,000

4 beds2.5 baths1,876 sq ft

8214 Tall Trees Ct, Ellicott City, MD 21043

(410) 823-0033

COMING SOON

$825,000

4 beds3 baths2,350 sq ft

5111 Marlo Austin Way, Ellicott City, MD 21043

(202) 243-7700

$1,299,999

6 beds6 baths4,241 sq ft

8580 Sunell Ln, Ellicott City, MD 21043

(302) 504-6147

Home values near 5020 Waterloo Rd

Data from public records.

Address	Redfin Estimate
5007 Waterloo Road, Ellicott City, MD - Beds \| 1 Baths \| 1220 Sq. Ft.	$494,526
5015 Waterloo Road, Ellicott City, MD - Beds \| 2 Baths \| 1330 Sq. Ft.	$570,542

Address	Redfin Estimate
5027 Waterloo Road, Ellicott City, MD - Beds \| 1 Baths \| 1318 Sq. Ft.	$632,779
5016 Waterloo Road, Ellicott City, MD 4 Beds \| 2.5 Baths \| 2495 Sq. Ft.	$518,922

Address	Redfin Estimate
5011 Waterloo Road, Ellicott City, MD - Beds \| 1 Baths \| 1053 Sq. Ft.	$461,969
5008 Waterloo Road, Ellicott City, MD 3 Beds \| 2 Baths \| 1400 Sq. Ft.	$616,523

Property information provided by BRIGHT MLS when last listed in 2024. This data may not match . Learn more.

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