3095 Stratford Ct, Riva, MD 21140 Property Records

Anne Arundel County property record for 3095 Stratford Ct, Riva, MD 21140

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,672 sqft · built 1988
Lot Size	0.353 acres (15,361 sqft)
Owner	2 Individual Names on File
Last Sale	$945,000 (Apr 2023)
Tax Bill	$8,742 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-039-90003368`

Property Details

APN / Parcel Number

Primary APN	`01-039-90003368`
Alternative APNs	`1-039-90003368` `03990003368`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,672 sqft Living Area
Gross Area	3,200 sqft
1st Floor Area	1,396 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,361 sqft (0.353 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	165 sqft
Deck Area	680 sqft
Balcony Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	03990003368
Street Address	3095 STRATFORD CT
City	RIVA
State	MD
Zip	21140-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 59 PL 9 BERKSHIRE
Legal Subdivision	BERKSHIRE
Legal Block	2
Legal Lot Number	59
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2004
Census Tract	701101

Owner

3095 Stratford Ct is owned and occupied by two individuals who bought it in April 2023.

Source: Anne Arundel County records, as of September 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3095 STRATFORD CT, RIVA, MD 21140-1425
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2023	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jun 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2023 · Amount on File
Deed Sale	Apr 19, 2023 · Amount on File
Prior Sale	Oct 5, 1999 · Amount on File
Deed Book / Page	39594 / 182
Prior Transfer Date	Mar 19, 2021
Prior Transfer Doc	0369190448
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 19, 2023
Property Address	3095 STRATFORD CT, RIVA, MD 21140-1425
Document Number	0395940182
Book / Page	39594 / 182
Map Reference	MB 60 FO 43
Instrument Date	Apr 14, 2023
Transaction Type	Transfer
Record Updated	May 4, 2023
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,725.00
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 by the Entirety
Address	3095 STRATFORD CT, RIVA, MD 21140-1425

Mortgage

Document Number	0039594190
Date	Apr 19, 2023
Instrument	39594/190

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	May 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11%
Index	Other
Margin	3
Max Rate	11%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 5, 2021
Property Address	3095 STRATFORD CT, RIVA, MD 21140-1425
Document Number	0369190448
Book / Page	36919 / 448
Map Reference	MB 60 FO 43
Instrument Date	Mar 19, 2021
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	TITLE 365

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
Address	3095 STRATFORD CT, RIVA, MD 21140-1425

Mortgage

Document Number	36919453
Date	Jun 5, 2021
Instrument	36919/453

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 3095 Stratford Ct was $8,742 with a homeowner's exemption, up 1.9% from the year before.

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		$828,600 (+4.52%) Land $414,700 Building $413,900	$828,600 (-) Land $414,700 Building $413,900
2025	$8,742.00 (+1.89%) Homeowner's exemption	$792,767	$828,600 Land $414,700 Building $413,900
2024	$8,580.00 (+8.97%)
2023	$7,874.00	$721,100 Land $414,700 Building $306,400	$721,100 Land $414,700 Building $306,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3095 Stratford Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3095 Stratford Ct is low, with a 0.01% annual chance of 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 270 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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