1428 Oak Bluff Rd, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 1428 Oak Bluff Rd, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,357 sqft · built 1979
Lot Size	0.332 acres (14,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$682,000 (Mar 2026)
Tax Bill	$4,923 (2024)
Deeds & Mortgages	Mar 2026 Sale & Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-597-08969850`

Property Details

APN / Parcel Number

Primary APN	`01-597-08969850`
Alternative APNs	`1-597-08969850` `59708969850`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,357 sqft Living Area
Gross Area	3,101 sqft
1st Floor Area	1,281 sqft
Basement Area	1,076 sqft
Finished Basement	1,076 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,450 sqft (0.332 acres)
Garage Type	Attached
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Deck Area	620 sqft
Patio Area	620 sqft
Shed	1 Shed
Shed Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	59708969850
Street Address	1428 OAK BLUFF RD
City	EDGEWATER
State	MD
Zip	21037-2134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 10 OAK BLUFF
Legal Subdivision	OAK BLUFF
Legal Block	1
Legal Lot Number	10
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1001
Census Tract	701103

Owner

Source: Anne Arundel County records, as of September 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1428 OAK BLUFF RD, EDGEWATER, MD 21037-2134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2026	Deed, Transfer · Conventional Mortgage LOWER LLC
May 25, 2023	Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 29, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2026 · Amount on Record
Deed Sale	Mar 26, 2026 · Amount on Record
Prior Sale	May 25, 2023 · Amount on Record
Deed Book / Page	42196 / 465
Prior Transfer Date	Sep 9, 2021
Prior Transfer Doc	0378120405
Record Updated	Oct 29, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 26, 2026
Property Address	1428 OAK BLUFF RD, EDGEWATER, MD 21037-2134
Document Number	0421960465
Book / Page	42196 / 465
Map Reference	MB 1 FO 1
Instrument Date	Feb 18, 2026
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	CROWN TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,705.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1428 OAK BLUFF RD, EDGEWATER, MD 21037-2134

Mortgage

Document Number	0042196473
Date	Mar 26, 2026
Instrument	42196/473

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 25, 2023
Property Address	1428 OAK BLUFF RD, EDGEWATER, MD 21037-2134
Document Number	0396820305
Book / Page	39682 / 305
Map Reference	MB 1 FO 1
Instrument Date	May 16, 2023
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	HERITAGE TITLE LIMITED, HERITAGE TITLE LTD

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1428 OAK BLUFF RD, EDGEWATER, MD 21037-2134

Mortgage

Document Number	0039682315
Date	May 25, 2023
Instrument	39682/315

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 29, 2021
Property Address	1428 OAK BLUFF RD, EDGEWATER, MD 21037-2134
Document Number	0378120405
Book / Page	37812 / 405
Map Reference	MB 1 FO 1
Instrument Date	Sep 9, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1428 OAK BLUFF RD, EDGEWATER, MD 21037-2134

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$466,200 (+5.43%) Land $246,300 Building $219,900	$466,200 (-) Land $246,300 Building $219,900
2025		$442,200 (+12.18%)	$466,200 (+18.26%) Land $246,300 Building $219,900
2024	$4,923.00 (+14.38%)
2023	$4,304.00	$394,200 Land $183,500 Building $210,700	$394,200 Land $183,500 Building $210,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BROAD CREEK serves 26,033 people · EPA ID MD0020004
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2017–2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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