3434 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3434 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,808 sqft · built 1997
Lot Size	0.153 acres (6,660 sqft)
Owner	2 Trust Names on File
Last Sale	$100,000 (Sep 1996)
Tax Bill	$6,317 (2025)
Deeds & Mortgages	Apr 2024 Transfer Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-480-05546800`

Property Details

APN / Parcel Number

Primary APN	`01-480-05546800`
Alternative APNs	`1-480-05546800` `48005546800`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,808 sqft Living Area
1st Floor Area	904 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,660 sqft (0.153 acres)
View / Lot	Waterfront
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Deck Area	208 sqft
Patio Area	333 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	48005546800
Street Address	3434 S RIVER TER
City	EDGEWATER
State	MD
Zip	21037-3235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 33 BK A LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	A
Legal Lot Number	33
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1004
Census Tract	701202

Owner

3434 S River Ter is owner-occupied and held in a trust since April 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	3434 S RIVER TER, EDGEWATER, MD 21037-3235
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Irrevocable Trust

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

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2024	Intrafamily Transfer, Transfer
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 1996 · Amount on File
Deed Sale	Sep 16, 1996 · Amount on File
Deed Document Number	19969794
Deed Book / Page	7603 / 510
Last Transfer Date	Apr 2, 2024
Transfer Doc	0403410244
Record Updated	Oct 29, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 3, 2024
Property Address	3434 S RIVER TER, EDGEWATER, MD 21037-3235
Document Number	0403410244
Book / Page	40341 / 244
Map Reference	MB 19 PG 19
Instrument Date	Apr 2, 2024
Transaction Type	Transfer
Record Updated	Apr 23, 2024

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	Irrevocable Trust
Address	3434 SOUTH RIVER TER, EDGEWATER, MD 21037-3235

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3434 S RIVER TER, EDGEWATER, MD 21037-3235
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	NATIONAL SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0360370173
Date	Jan 28, 2021
Book Page	36037/173

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3434 S River Ter was $6,317 with a homeowner's exemption, up 2.4% 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		$846,400 (+5.65%) Land $497,400 Building $349,000	$846,400 (-) Land $497,400 Building $349,000
2025	$6,317.00 (+2.4%) Homeowner's exemption	$801,133	$846,400 Land $497,400 Building $349,000
2024	$6,169.00 (+14.16%)
2023	$5,404.00 Homeowner's exemption	$710,600 Land $498,100 Building $212,500	$710,600 Land $498,100 Building $212,500

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

Flood

FEMA maps place 3434 S River Ter in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 79 policies
Nearby Flood Policies	79 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Jan 2024 · tidal / storm surge

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 3434 S River Ter 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	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 137 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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