3425 Monarch Dr, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3425 Monarch Dr, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 6,332 sqft · built 2000
Lot Size	0.425 acres (18,515 sqft)
Owner	2 Individual Names on Record
Last Sale	$920,000 (May 2019)
Tax Bill	$11,398 (2025)
Deeds & Mortgages	Sep 2023 Transfer Jan 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-753-90092284`

Property Details

APN / Parcel Number

Primary APN	`01-753-90092284`
Alternative APNs	`1-753-90092284` `75390092284`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,332 sqft Living Area
Gross Area	6,752 sqft
1st Floor Area	2,073 sqft
Basement Area	1,800 sqft
Finished Basement	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	18,515 sqft (0.425 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	598 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	75390092284
Street Address	3425 MONARCH DR
City	EDGEWATER
State	MD
Zip	21037-2749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 158 PAR D PH 4 SOUTH RIVER COLONY
Legal Subdivision	SOUTH RIVER COLONY
Legal Phase	4
Legal Block	1
Legal Lot Number	158
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1004
Census Tract	701400

Owner

Source: Anne Arundel County records, as of October 21, 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	3425 MONARCH DR, EDGEWATER, MD 21037-2749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Intrafamily Transfer, Transfer
Jan 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Aug 25, 2021	Deed of Trust, Mortgage · Line of Credit ESSEX BANK
May 2, 2019	Deed, Transfer · ARM SANDY SPRING BANK
Jan 3, 2017	Deed of Trust, Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2019 · Amount on Record
Deed Sale	May 2, 2019 · Amount on Record
Prior Sale	Apr 18, 2000 · Amount on Record
Deed Book / Page	33096 / 57
Last Transfer Date	Jun 28, 2023
Transfer Doc	0399640317
Record Updated	Oct 29, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 28, 2023
Property Address	3425 MONARCH DR, EDGEWATER, MD 21037-2749
Document Number	0399640317
Book / Page	39964 / 317
Map Reference	MB 192 PG5-27PL10130
Instrument Date	Jun 28, 2023
Transaction Type	Transfer
Record Updated	Oct 18, 2023

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
Relationship	Living Trust
Address	3425 MONARCH DR, EDGEWATER, MD 21037-2749

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3425 MONARCH DR, EDGEWATER, MD 21037-2749
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	SERVICELINK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0305390115
Date	Jan 17, 2017
Book Page	30539/115
Instrument	30539-115

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3425 MONARCH DR, EDGEWATER, MD 21037-2749
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	NOT AVAILABLE, SOURCEPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3425 MONARCH DR, EDGEWATER, MD 21037-2749

Mortgage

Document Number	0374300298
Date	Aug 25, 2021
Book Page	37430/298

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	May 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3425 MONARCH DR, EDGEWATER, MD 21037-2749
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3425 MONARCH DR, EDGEWATER, MD 21037-2749

Mortgage

Document Number	0374300317
Date	Aug 25, 2021
Book Page	37430/317

Lender

Name	ESSEX BANK
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 2, 2019
Property Address	3425 MONARCH DR, EDGEWATER, MD 21037-2749
Document Number	0330960057
Book / Page	33096 / 057
Map Reference	MB 192 PL10130-10152
Instrument Date	Apr 3, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	CROWN TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,800.00
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	3425 MONARCH DR, EDGEWATER, MD 21037-2749

Mortgage

Document Number	33096064
Date	May 2, 2019
Instrument	33096/064

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3425 MONARCH DR, EDGEWATER, MD 21037-2749
Document Number	0305380115
Book / Page	030538 / 000115
Instrument Date	Jan 3, 2017
Transaction Type	Mortgage
Record Updated	Mar 23, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3425 MONARCH DR EDGEWATER MD 210372749, EDGEWATER, MD 21037-2749

Mortgage

Document Number	0305380115
Date	Jan 17, 2017
Book Page	030538/000115

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 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		$1,004,400 (+1.51%) Land $225,800 Building $778,600	$1,004,400 (-) Land $225,800 Building $778,600
2025	$11,398.00 (+1.13%) Homeowner's exemption	$989,467 (+3.11%)	$1,004,400 (+4.67%) Land $225,800 Building $778,600
2024	$11,271.00 (+7.57%)
2023	$10,478.00 Homeowner's exemption	$959,600 Land $275,800 Building $683,800	$959,600 Land $275,800 Building $683,800

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	19 (1983–2024)
Claims Outside the SFHA	6 of 19
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 10 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 74 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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