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5189 Columbia Rd #1049, Columbia, MD, 21044

3beds
4baths
2,320sqft
$600,000
$259price/sqft
$4,024/moest. monthly cost
$160,960/yrincome needed

About This Home

This 2320 square foot townhome home has 3 bedrooms and 4.0 bathrooms. This home is located at 5189 Columbia Rd #1049, Columbia, MD 21044.

Getting Around

38
WalkingCar-Dependent
29
TransitSome Transit
24
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

  • Year built: 1988

Materials

  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Microwave,Dishwasher,Oven/Range - Electric,Refrigerator,Stainless Steel Appliances

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Interior Access,Rear Entrance,SumpPump,Outside Entrance,Ful

Bedrooms & Bathrooms

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

Features

  • Carpet,Dining Area,Kitchen - Table Space,Primary Bath(s),Recessed Lighting,Skylight(s),Walk-in Closet(s),Wood Floors
  • Flooring: Wood,Carpet,CeramicTile
  • Number of fireplaces: 1

Heating & Cooling

  • Heating features: Heat Pump(s)
  • Cooling features: Central A/C

Interior Area

  • Total structure area: 2,320
  • Total interior livable area: 2,320 sqft

Property

Features

  • Levels: Three Or More
  • Stories: 3
  • Exterior features: Exterior Lighting

Parking

  • Parking features: Attached Garage,Garage - Front Entry
  • Has garage: Yes

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 $3,033$36,396
Home Insurance *$141$1,692
Property Taxes $555$6,660
Electricity $295$3,547
Total$4,024$48,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,965/yr
40% on housing$120,720/yr
45% on housing$107,306/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

$259This listing

vs Other Active Listings

Avg $/sqft

ZIP 21044$214
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)

Price History

DateEventPrice
2026-07-30Listed for sale$600,000

For Sale by Agent

AgentMichael Sloan
BrokerageNorthrop Realty

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