Anne Arundel County property record for 1816 Encore Ter, Severn, MD 21144
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,338 sqft · built 2014 |
| Lot Size | 0.033 acres (1,440 sqft) |
| Owner | Individual Name on File |
| Last Sale | $490,000 (Jan 2025) |
| Tax Bill | $5,231 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Apr 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-125-90236828 |
| Primary APN | 04-125-90236828 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,338 sqft Living Area |
| Gross Area | 2,536 sqft |
| 1st Floor Area | 658 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,440 sqft (0.033 acres) |
| Garage Type | Attached |
| Garage Area | 198 sqft |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 12590236828 |
|---|---|
| Street Address | 1816 ENCORE TER |
| City | SEVERN |
| State | MD |
| Zip | 21144-1174 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R5 |
| Legal Description | LOT 123 BOYERS RIDGE |
| Legal Subdivision | BOYERS RIDGE |
| Legal Block | 2 |
| Legal Lot Number | 123 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 740103 |
1816 Encore Ter, a townhouse, is owned and occupied by an individual who bought it in January 2025.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1816 ENCORE TER, SEVERN, MD 21144-1174 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Surviving Spouse |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Apr 20, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Mar 30, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 1, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2025 · Amount on File |
| Deed Sale | Jan 3, 2025 · Amount on File |
| Prior Sale | Jun 9, 2014 · Amount on File |
| Deed Book / Page | 41009 / 435 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1816 ENCORE TER, SEVERN, MD 21144-1174 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Title Company | VYLLA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1816 ENCORE TER, SEVERN, MD 21144-1174 |
| Document Number | 0422060181 |
|---|---|
| Date | Mar 30, 2026 |
| Book Page | 42206/181 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1816 ENCORE TER, SEVERN, MD 21144-1174 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1816 ENCORE TER, SEVERN, MD 21144-1174 |
| Document Number | 0395970118 |
|---|---|
| Date | Apr 20, 2023 |
| Book Page | 39597/118 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | May 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1816 ENCORE TER, SEVERN, MD 21144-1174 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0343710251 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 34371/251 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 312 Months |
| Due | Mar 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1816 ENCORE TER, SEVERN, MD 21144-1174 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0362550050 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 36255/50 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2046 |
The 2025 property tax bill for 1816 Encore Ter was $5,231, up 15.5% from the year before.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $450,667 (+2.96%) | $476,600 (+8.89%) Land $170,000 Building $306,600 | |
| 2025 | $5,231.00 (+15.53%) | $437,700 Land $170,000 Building $267,700 | $437,700 Land $170,000 Building $267,700 |
| 2024 | $4,528.00 | ||
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $386,233 | $437,700 Land $170,000 Building $267,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1816 Encore Ter in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 7 (1979–2023) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Aug 2023 · 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.
The area around 1816 Encore Ter has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GLEN BURNIE-BROADNECK serves 290,606 people · EPA ID MD0020017 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2016–2018) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 471 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber | 980 / 880 |
| Believe Broadband Fixed Wireless | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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