3039 Riva Rd, Riva, MD 21140 Property Records

Anne Arundel County property record for 3039 Riva Rd, Riva, MD 21140

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,490 sqft · built 1941
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Jun 2017)
Tax Bill	$4,644 (2025)
Deeds & Mortgages	May 2023 Mortgage Mar 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`01-000-09116100`

Property Details

APN / Parcel Number

Primary APN	`01-000-09116100`
Alternative APNs	`1-000-09116100` `00009116100`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,490 sqft Living Area
1st Floor Area	1,620 sqft
Basement Area	306 sqft
Finished Basement	306 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.52 acres)
View / Lot	Waterfront
Porch	Open Porch
Porch Area	88 sqft
Deck Area	291 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00009116100
Street Address	3039 RIVA RD
City	RIVA
State	MD
Zip	21140-1321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.52 ACRE RIVA
Legal Subdivision	RIVA
Legal Block	2
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2008
Census Tract	701101

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	3039 RIVA RD, RIVA, MD 21140-1321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage NASA FCU
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Jun 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS
Sep 30, 2019	Quit Claim Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS
Jun 5, 2017	Grant Deed, Transfer EMBRACE HM LOANS
Jun 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
May 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2017 · Amount on Record
Deed Sale	Jun 5, 2017 · Amount on Record
Deed Document Number	201731000-171
Last Transfer Date	Jun 12, 2019
Transfer Doc	0336420001
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3039 RIVA RD, RIVA, MD 21140-1321
Transaction Type	Mortgage
Record Updated	May 19, 2023
Title Company	FH TITLE INSURANCE AGENCY LLC, CU TITLE INSURANCE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3039 RIVA RD, RIVA, MD 21140-1321

Mortgage

Document Number	0396180403
Date	May 1, 2023
Book Page	39618/403

Lender

Name	NASA FCU
Type	Credit Union
Address	BOWIE, MD 20716

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 25, 2038

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3039 RIVA RD, RIVA, MD 21140-1321
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	EQUITY NATL TTL & CLOSING SV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0364010438
Date	Mar 23, 2021
Book Page	36401/438

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3039 RIVA RD, RIVA, MD 21140-1321
Document Number	0347890119
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3039 RIVA RD RIVA MD 211401321, RIVA, MD 21140-1321

Mortgage

Document Number	0347890119
Date	Jun 24, 2020
Book Page	034789/000119

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 30, 2019
Property Address	3039 RIVA RD, RIVA, MD 21140-1321
Document Number	0336420001
Book / Page	033642 / 000001
Instrument Date	Jun 12, 2019
Transaction Type	Transfer
Record Updated	Oct 24, 2019
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3039 RIVA RD RIVA MD 211401321, RIVA, MD 21140-1321

Mortgage

Document Number	336420006
Date	Sep 30, 2019
Book Page	033642/000006

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

Interest

Rate Type	Adjustable Rate
Rate	7.05%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 5, 2017
Property Address	3039 RIVA RD, RIVA, MD 21140-1321
Document Number	0310000171
Book / Page	031000 / 000171
Instrument Date	May 26, 2017
Transaction Type	Transfer
Record Updated	Jul 14, 2017
Title Company	PROGRESSIVE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3039 RIVA RD RIVA MD 211401321, RIVA, MD 21140-1321

Mortgage

Document Number	310000177
Date	Jun 5, 2017
Book Page	031000/000177

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDIETOWN, RI 02842

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 5, 2017
Property Address	3039 RIVA RD, RIVA, MD 21140-1321
Document Number	0310000166
Book / Page	031000 / 000166
Instrument Date	May 22, 2017
Transaction Type	Transfer
Record Updated	Jul 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3039 RIVA RD RIVA MD 211401321, RIVA, MD 21140-1321

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3039 RIVA RD, RIVA, MD 21140-1321
Document Number	0312630037
Book / Page	031263 / 000037
Instrument Date	May 22, 2017
Transaction Type	Mortgage
Record Updated	Nov 10, 2017
Title Company	PROGRESSIVE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3039 RIVA RD RIVA MD 211401321, RIVA, MD 21140-1321

Mortgage

Document Number	0312630037
Date	Aug 17, 2017
Book Page	031263/000037

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 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		$452,100 (+2.39%) Land $250,200 Building $201,900	$452,100 (-) Land $250,200 Building $201,900
2025	$4,644.00 (+1.82%) Homeowner's exemption	$441,567 (+5.01%)	$452,100 (+7.51%) Land $250,200 Building $201,900
2024	$4,561.00 (+15%)
2023	$3,966.00 Homeowner's exemption	$420,500 Land $250,200 Building $170,300	$420,500 Land $250,200 Building $170,300

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 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	22 (1996–2018)
Claims Outside the SFHA	9 of 22
Most Recent Claim	Nov 2018 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 13 claims

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 154 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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