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5095 Columbia Rd Unit 16, Columbia, MD, 21044

3beds
4baths
2,453sqft
$490,000
$200price/sqft
$3,357/moest. monthly cost
$134,280/yrincome needed

About This Home

Beautifully maintained and thoughtfully updated townhome in a prime Columbia location. From the moment you enter, you’re welcomed by a bright and open layout filled with natural light, hardwood flooring, and recessed lighting that creates a warm and inviting feel throughout the main level. The spacious living and dining areas offer a seamless flow, making the home ideal for both everyday living and entertaining. The kitchen is well-appointed with abundant cabinetry, generous counter space, and room for casual dining, all positioned to stay connected to the main living areas. Upstairs, you’ll find generously sized bedrooms, including a comfortable primary suite with its own private bath. Each room offers great natural light and functional space. The finished lower level offers exceptional flexibility, featuring a cozy fireplace, walk-out access, and a beautifully updated full bathroom—making it an ideal guest suite, rec room, or home office setup. Outdoor space provides a great setting to relax or entertain, and the 1-car garage adds everyday convenience. Ideally located just minutes from major commuter routes including Rt 29, Rt 32, and I-95, with easy access to Baltimore, DC, and surrounding areas. Close to shopping, dining, and entertainment at Columbia Town Center and Merriweather Post Pavilion.

Getting Around

38
WalkingCar-Dependent
27
TransitSome Transit
27
BikeSomewhat Bikeable

Schools

5/10
8/10
Wilde Lake Middle SchoolGrades 6-82.3 mi
6/10
Wilde Lake High SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: Good
  • Year built: 1988

Materials

  • Foundation: Permanent
  • Construction materials: Frame

Type & Style

  • Home type: Townhouse
  • Architectural style: Colonial
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 842

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Combination Kitchen/Dining,Dining Area,Eat-in Kitchen,Kitchen - Galley,Primary Bath(s),Upgraded Countertops
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 631
  • Finished area above ground: 1,822

Heating & Cooling

  • Heating features: Heat Pump,Central
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,664
  • Total interior livable area: 2,453 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1415088095
  • Zoning: NT
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Driveway,Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Heat Wave
Inland Flooding
Lightning
Strong Wind

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,477$29,724
Home Insurance *$115$1,380
Property Taxes $453$5,436
Electricity $312$3,750
Total$3,357$40,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,097/yr
40% on housing$100,710/yr
45% on housing$89,520/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 21044$215
Howard County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 21044$245
Howard County$271

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-04-03Listed for sale$500,000

For Sale by Agent

AgentMaribelle Dizon
BrokerageRedfin Corp

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