This charming Cape Cod with a detached 2-car garage is nestled on a picturesque 0.38-acre wooded lot in sought-after Ellicott City! This unbeatable location offers close proximity to Columbia, allowing easy enjoyment of trails, shopping, dining, parks, and many of Columbia’s sought-after amenities. This home features 4 bedrooms, 3 full bathrooms, and timeless character thoughtfully blended with modern updates throughout. Gleaming hardwood flooring welcomes you into the light-filled main level featuring a spacious living room, formal dining room, and an updated kitchen complete with granite countertops, tile backsplash, and gas cooking. Two main-level bedrooms and a full bathroom provide flexible living options, while the upper level offers additional generously sized bedrooms and an en-suite bathroom. Enjoy year-round relaxation in the enclosed porch with vaulted ceilings overlooking the peaceful backyard and mature trees. The finished walk-out lower level expands the living space with a large recreation room, full bathroom, and abundant storage space. Additional highlights include energy-efficient replacement windows, a Carrier HVAC system, and a large and spacious 2-car garage. Perfectly situated with convenient access to Rt 100, I-95, and Rt 29, this home offers the perfect combination of charm, space, land, and modern updates in a spectacular Howard County location! This home is in need of some TLC and is priced accordingly.
Single-familyProperty Type
1947Year Built
0.38 acresLot Size
$233Price/Sq.Ft.
2 car garageParking
Listed by Zugell Jamison• Cummings & Co. Realtors
•410-823-0033 (broker)
•realtor@cummingsrealtors.com (broker)
Bought with Ferhana Desai• Realty Advantage of Maryland LLC
Est. $1,906 per month, based on comparable rentals
Sale and tax history for 5521 Waterloo Rd
Sale History
Tax History
Date
Event
Price
BRIGHT MLS #MDHW2068194
Oct 16, 2026
Sold
$475,000
$233/sq ft
Sep 18, 2026
Contingent
—
Sep 11, 2026
Relisted
—
Aug 28, 2026
Listing Removed
—
Aug 23, 2026
Contingent
—
Aug 7, 2026
Price Changed
$475,000
$233/sq ft
Aug 7, 2026
Relisted
—
Jun 16, 2026
Listing Removed
—
May 21, 2026
Listed
$499,990
$246/sq ft
May 11, 2026
Coming Soon
$499,990
$246/sq ft
BRIGHT MLS #1003927659
Jun 16, 2016
Sold
$335,000
$165/sq ft
Apr 20, 2016
Listed
$349,900
$172/sq ft
+25
Charming Cape Cod with 4 Bedrooms/3 Full Baths! Gorgeous hardwoods on main level. Large Kitchen w/ Granite countertops, tile backsplash & new gas range. Two Bedrooms on main level. Enclosed Porch with vaulted ceiling! Finished lower level w/ Rec Room, Full Bath & large storage room. Backs to woods! New energy efficient windows, Carrier furnace & A/C unit. 2 car garage. Howard County Schools.
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.
School District Name: HOWARD COUNTY PUBLIC SCHOOLS
School District Source: Listing Agent
Location Information
Outside City Limits
Directions: MD-100 E. , Take exit 2 toward MD-108/MD-104, Turn left onto Old Annapolis Rd (MD-108), Turn right onto Waterloo Rd (MD-108). Home is on the left side.
Public facts
Beds: —
Baths: 1.0
Sq. Ft.: 2,036
Stories: 1.5
Lot Size: 0.38 acres
Style: Single Family Residential
Year Built: 1947
Year Renovated: —
County: Howard County
APN: 01 167472
Home facts updated by county records on Sep 4, 2026
Around this home
Schools
Ilchester Elementary School
Public PreK-5 • Assigned • 2.0mi
8/10
Mayfield Woods Middle School
Public 6-8 • Assigned • 1.8mi
6/10
Long Reach High School
Public 9-12 • Assigned • 0.9mi
5/10
Provided by GreatSchools
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
17% 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)
37
22
42
27
60
38
69
47
74
55
85
64
89
70
82
62
80
60
69
46
57
38
43
28
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
72/ 100
Good sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
8.2 hrs
4.3 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$477,000 – $578,000
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