305 Cove Rd, Riva, MD 21140 Property Records

Anne Arundel County property record for 305 Cove Rd, Riva, MD 21140

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,823 sqft · built 1951
Lot Size	0.227 acres (9,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,270,000 (May 2024)
Tax Bill	$8,104 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-749-03071815`

Property Details

APN / Parcel Number

Primary APN	`02-749-03071815`
Alternative APNs	`2-749-03071815` `74903071815`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,823 sqft Living Area
1st Floor Area	1,319 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,900 sqft (0.227 acres)
View / Lot	Waterfront
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Deck Area	300 sqft
Boat Access	Boat Access
Boat House	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	74903071815
Street Address	305 COVE RD
City	RIVA
State	MD
Zip	21140-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 208 SC B SYLVAN SHORES
Legal Subdivision	SYLVAN SHORES
Legal Block	2
Legal Lot Number	208
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2001
Census Tract	702300

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	305 COVE RD, RIVA, MD 21140-1225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jul 17, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK
Mar 24, 2017	Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2024 · Amount on Record
Deed Sale	May 23, 2024 · Amount on Record
Prior Sale	Mar 24, 2017 · Amount on Record
Deed Book / Page	40452 / 479
Prior Transfer Date	Mar 10, 2015
Prior Transfer Doc	0284380202
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	305 COVE RD, RIVA, MD 21140-1225
Transaction Type	Mortgage
Record Updated	Dec 5, 2025
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 COVE RD, RIVA, MD 21140-1225

Mortgage

Document Number	0418340482
Date	Nov 17, 2025
Book Page	41834/482

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	305 COVE RD, RIVA, MD 21140-1225
Document Number	0312040267
Instrument Date	Jul 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 COVE RD RIVA MD 211401225, RIVA, MD 21140-1225

Mortgage

Document Number	0312040267
Date	Aug 1, 2017
Book Page	031204/000267

Lender

Name	SUNTRUST BK
Type	Bank
Address	NASHVILLE, TN 37214

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2047

Interest

Rate Type	Adjustable Rate

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 24, 2017
Property Address	305 COVE RD, RIVA, MD 21140-1225
Document Number	0307620313
Book / Page	30762 / 313
Map Reference	LB28438 FO202
Instrument Date	Mar 20, 2017
Instrument	30762-313
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	305 COVE RD, RIVA, MD 21140-1225

Mortgage

Document Number	30762319
Date	Mar 24, 2017
Instrument	30762-319

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 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		$680,300 (+7.57%) Land $489,800 Building $190,500	$680,300 (-) Land $489,800 Building $190,500
2025	$8,104.00 (+6.67%)	$632,400 (+17.85%)	$680,300 (+26.78%) Land $489,800 Building $190,500
2024	$7,597.00 (+29.66%)
2023	$5,859.00 Homeowner's exemption	$536,600 Land $392,400 Building $144,200	$536,600 Land $392,400 Building $144,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearby Flood Policies	2 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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 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 152 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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