1601 Cliff Dr, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 1601 Cliff Dr, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	3 ba · 4,354 sqft · built 1993
Lot Size	0.794 acres (34,587 sqft)
Owner	Individual Name on Record
Last Sale	$1,500,000 (Nov 2025)
Tax Bill	$10,521 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-000-04135800`

Property Details

APN / Parcel Number

Primary APN	`01-000-04135800`
Alternative APNs	`1-000-04135800` `00004135800`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	4,354 sqft Living Area
1st Floor Area	2,396 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	34,587 sqft (0.794 acres)
View / Lot	Waterfront
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	444 sqft
Deck Area	36 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	00004135800
Street Address	1601 CLIFF DR
City	EDGEWATER
State	MD
Zip	21037-4922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	PARCEL 83R CLOVERLEA
Legal Subdivision	CLOVERLEA
Legal Block	2
Legal Lot Number	83R
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2003
Census Tract	701201

Owner

Source: Anne Arundel County records, as of September 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1601 CLIFF DR, EDGEWATER, MD 21037-4922
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Nov 4, 2025	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Aug 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 21, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 21, 2017	Deed of Trust, Mortgage · FHA Mortgage LIBERTY HM EQUITY SOLUTIONS
Mar 21, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2025 · Amount on Record
Deed Sale	Nov 4, 2025 · Amount on Record
Prior Sale	Nov 19, 1980 · Amount on Record
Deed Book / Page	41793 / 282
Prior Transfer Date	Aug 14, 2023
Prior Transfer Doc	0398730081
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 27, 2026
Property Address	1601 CLIFF DR, EDGEWATER, MD 21037-4922
Document Number	4265000073
Book / Page	42656 / 73
Instrument Date	Jun 1, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 CLIFF DR, EDGEWATER, MD 21037-4922

Mortgage

Document Number	4265000073,
Date	Aug 27, 2026
Book Page	42656/73

Lender

Name	MORTGAGE MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 4, 2025
Property Address	1601 CLIFF DR, EDGEWATER, MD 21037-4922
Document Number	0417930282
Book / Page	41793 / 282
Map Reference	MB 254 PG 12 PL13239
Instrument Date	Oct 27, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE AND ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,500.00
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 in Severalty
Address	1601 CLIFF DR, EDGEWATER, MD 21037-4922

Mortgage

Document Number	0041793289
Date	Nov 4, 2025
Instrument	41793/289

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1601 CLIFF DR, EDGEWATER, MD 21037-4922
Transaction Type	Mortgage
Record Updated	Sep 7, 2023
Title Company	NOT AVAILABLE, BRENNAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 CLIFF DR, EDGEWATER, MD 21037-4922

Mortgage

Document Number	0398750356
Date	Aug 21, 2023
Book Page	39875/356

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 21, 2023
Property Address	1601 CLIFF DR, EDGEWATER, MD 21037-4922
Document Number	0398730081
Book / Page	39873 / 81
Instrument Date	Aug 14, 2023
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	ACCOMODATION, ACCOMMODATION

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	Joint Tenants with Right of Survivorship
Address	1601 CLIFF DR, EDGEWATER, MD 21037-4922

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1601 CLIFF DR, EDGEWATER, MD 21037-4922
Document Number	0308510009
Instrument Date	Mar 21, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	MILLENNIUM TITLE AND ABSTRACT COMPANY, MILLENNIUM TITLE & ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 CLIFF DR MAYO MD 21106, MAYO, MD 21106

Mortgage

Document Number	0308510009
Date	Apr 20, 2017
Book Page	030851/000009

Lender

Name	LIBERTY HM EQUITY SOLUTIONS
Type	Funding / Finance Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Apr 19, 2091

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1601 CLIFF DR, EDGEWATER, MD 21037-4922
Document Number	0308510028
Instrument Date	Mar 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 9, 2017
Title Company	MILLENNIUM TITLE AND ABSTRACT COMPANY, MILLENNIUM TITLE & ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 CLIFF DR MAYO MD 21106, MAYO, MD 21106

Mortgage

Document Number	0308510028
Date	Apr 19, 2017
Book Page	030851/000028

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Apr 18, 2091

Interest

Rate Type	Adjustable Rate
Rate	4.43%

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		$1,330,900 (+6.28%) Land $612,900 Building $718,000	$1,330,900 (-) Land $612,900 Building $718,000
2025	$10,521.00 (+2.27%)	$1,252,267 (+14.42%)	$1,330,900 (+21.61%) Land $612,900 Building $718,000
2024	$10,287.00 (+8.23%)
2023	$9,505.00 Homeowner's exemption	$1,094,400 Land $512,300 Building $582,100	$1,094,400 Land $512,300 Building $582,100

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Nearby Flood Policies	69 in force
Nearby Flood Claims	3 (2003–2025)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Feb 2025

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 97% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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