5521 Waterloo Road

Ellicott City, MD
$ 475,000 Beds 4 Baths 3 Sq 2,036 Virtual Tour
Monthly Estimate* How much can I afford?

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 Columbias 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.

ACTIVE

  • Price
  • $ 475,000
  • City
  • Ellicott City
  • Bedrooms
  • 4
  • Full Bathrooms
  • 3
  • County
  • HOWARD
  • Half Bathrooms
  • 0
  • Area
  • Lot Size
  • 0.38 Acres
  • Zip
  • 21043
  • Sqr Footage
  • 2,036
  • Year Built
  • 1947
  • Taxes
  • $ 7008
  • Style
  • Cape Cod
  • MLS#
  • MDHW2068194
Listed By: Zugell Jamison with Cummings & Co. Realtors - 4108230033;
Data Source: Bright MLS

Features

General

Living Area 2036
Sewer Public Sewer
Heating Forced Air
Cooling Central A/C
Possession 31-60 Days CD,Delay Settlement,Seller Rent Back,61-90 Days CD
Roof Composite
Appliances Washer,Dryer,Refrigerator,Dishwasher,Disposal,Microwave,Stove
Zoning R20
Garage Spaces 2.00
Architectural Style Cape Cod
Construction Materials Frame
School District HOWARD COUNTY PUBLIC SCHOOLS
Year Built 1947
Levels 3
Tax Year 2025
Ownership Fee Simple
Cool Fuel Electric
Accessibility None
County HOWARD
New Construction No
Property Type Residential
HOA No
Subdivision Name NONE AVAILABLE
Garage Y/N Yes
Water Access Y/N No
Other Structures Above Grade,Below Grade
Full Baths 3
Status ACTIVE
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.
City ELLICOTT CITY
Senior Community Y/N No
Lot Size Units Square Feet
Lot Size Square Feet 16675.00
Tax Assessed Value 483500.0
Tax Annual Amount 7008.0
Property Condition Good,Very Good
Structure Type Detached
Condo/Coop Association fee Y/N No
Bathrooms Full Main Level 1
Bathrooms Count Main Level 1.00
Price Per Sq Ft Total AG 309.24
Vacation Rental Y/N No
Total SQFT 2560
Standard Status Active
Year Built Source Assessor
Tax Lot 1

Interior Features

Interior Amenities Dining Area,Wood Floors,Chair Railings,Wainscotting,Primary Bath(s)
Heating Fuel Natural Gas
Basement Full,Partially Finished
Flooring Hardwood,Carpet
Hot Water Electric
Basement (Y/N) Yes
Heating Y/N Yes
Window Features Screens
Fireplace Y/N No
Above Grade Finished Area 1536
Central Air Y/N Yes
Total Bedrooms 4
Below Grade Finished Area 500
Room Type Living Room,Dining Room,Primary Bedroom,Bedroom 2,Bedroom 3,Bedroom 4,Kitchen
Main Level Bedrooms 2
Below Grade Finished Area Unit Type Square Feet
LivingAreaSource Assessor
Below Grade Unfin Area Units Square Feet
Below Grade Unfin SQFT 524
Below Grade Unfin SQFT Source Assessor
Below Grade Finished Area Source Assessor
Bedrooms Count All Upper Levels 2
Bedrooms Count Upper Level 1 2
Bathrooms Full Upper Level 1 1
Bathrooms Full Lower Level 1 1
Bathrooms Full All Upper Levels 1
Bathrooms Full All Lower Levels 1
Bathrooms Count Upper Level 1 1.00
Bathrooms Count Lower Level 1 1.00
Bathrooms Count All Upper Levels 1
Bathrooms Count All Lower Levels 1
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 3

Exterior Features

Pool No Pool
Fencing Rear,Wood
Parking Features Asphalt Driveway
Lot Features Backs to Trees,Trees/Wooded
Water Source Public
Inclusions See Disclosures
Total Parking Spaces 2
Garage Features Garage Door Opener
Type of Parking Detached Garage
Land Use Code R
Foundation Details Block
Water View Y/N No
Lot Size Acres 0.38
Lot Size Source Assessor
Waterfront Y/N No
Land Assessed Value 217800.00
Navigable Water Y/N No
Water Oriented Y/N No
# of Detached Garage Spaces 2

Room Details

Bedroom 2 Upper 1 Flooring - Carpet
Bedroom 3 Main Flooring - Carpet
Bedroom 4 Main Flooring - HardWood
Dining Room Main Flooring - HardWood
Kitchen Main Flooring - Tile/Brick
Living Room Main Flooring - HardWood
Primary Bedroom Upper 1 Flooring - HardWood

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Bel Air, MD office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

5/11/2026 Listed $499,990
8/7/2026 5% - $475,000

Property vs Zip Code Average in 21043

Price
AVG $960K
$480K
Taxes
AVG $6,955
$7,008
Year Built
AVG 1979
1947

5521 Waterloo Road Ellicott City, MD is a Single Family Home for sale at $475000 with 2036 sqft and a lot size of 0.38 Acres Acre(s). 5521 Waterloo Road Ellicott City has 4 bedrooms, 3 baths and was built in 1947. The property's zip code is 21043 which is in Ellicott City, MD

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.