1645 Midland Rd, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 1645 Midland Rd, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,600 sqft · built 1977
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Jan 2020)
Tax Bill	$4,031 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Sep 2023 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-904-05252700`

Property Details

APN / Parcel Number

Primary APN	`01-904-05252700`
Alternative APNs	`1-904-05252700` `90405252700`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,600 sqft Living Area
1st Floor Area	576 sqft
Basement Area	484 sqft
Finished Basement	484 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,000 sqft (0.092 acres)
Porch	Open Porch
Porch Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	90405252700
Street Address	1645 MIDLAND RD
City	EDGEWATER
State	MD
Zip	21037-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LTS 5831 5832 WOODLAND BEACH
Legal Subdivision	WOODLAND BEACH
Legal Block	2
Legal Lot Number	5831
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2013
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	Individual Name on Record
Mailing Address	1645 MIDLAND RD, EDGEWATER, MD 21037-2421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BETTER LENDING LLC
Sep 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU
Dec 28, 2022	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Nov 2, 2020	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jan 27, 2020	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
May 31, 2017	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2020 · Amount on Record
Deed Sale	Jan 27, 2020 · Amount on Record
Prior Sale	May 31, 2017 · Amount on Record
Deed Book / Page	34120 / 313
Prior Transfer Date	Feb 9, 2012
Prior Transfer Doc	0246950031
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1645 MIDLAND RD, EDGEWATER, MD 21037-2421
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 MIDLAND RD, EDGEWATER, MD 21037-2421

Mortgage

Document Number	0419960491
Date	Jan 14, 2026
Book Page	41996/491

Lender

Name	BETTER LENDING LLC
Type	Mortgage Company
Address	SCHAUMBURG, IL 60195

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2046

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1645 MIDLAND RD, EDGEWATER, MD 21037-2421
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0399140172
Date	Sep 8, 2023
Book Page	39914/172

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Jun 13, 2038

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1645 MIDLAND RD, EDGEWATER, MD 21037-2421
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0393580288
Date	Dec 28, 2022
Book Page	39358/288

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	176 Months
Due	Aug 30, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1645 MIDLAND RD, EDGEWATER, MD 21037-2421
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 MIDLAND RD, EDGEWATER, MD 21037-2421

Mortgage

Document Number	0355240360
Date	Nov 2, 2020
Book Page	35524/360

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Feb 1, 2050

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 27, 2020
Property Address	1645 MIDLAND RD, EDGEWATER, MD 21037-2421
Document Number	0341200313
Book / Page	34120 / 313
Map Reference	MB 8 FO 15
Instrument Date	Jan 22, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	MASTERS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,687.50
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 in Severalty
Address	1645 MIDLAND RD, EDGEWATER, MD 21037-2421

Mortgage

Document Number	34120321
Date	Jan 27, 2020
Instrument	34120/321

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 31, 2017
Property Address	1645 MIDLAND RD, EDGEWATER, MD 21037-2421
Document Number	0309840028
Book / Page	030984 / 000028
Instrument Date	May 25, 2017
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	SECURITY CONNECTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1645 MIDLAND RD EDGEWATER MD 210372421, EDGEWATER, MD 21037-2421

Mortgage

Document Number	309840034
Date	May 31, 2017
Book Page	030984/000034

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2047

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		$356,500 (+6.38%) Land $220,000 Building $136,500	$356,500 (-) Land $220,000 Building $136,500
2025	$4,031.00 (+2.18%) Homeowner's exemption	$335,133 (+14.61%)	$356,500 (+21.92%) Land $220,000 Building $136,500
2024	$3,945.00 (+23.55%)
2023	$3,193.00 Homeowner's exemption	$292,400 Land $170,000 Building $122,400	$292,400 Land $170,000 Building $122,400

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Nearby Flood Policies	41 in force
Nearby Flood Claims	5 (2003–2025)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2025 · rainfall accumulation

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 542 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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