3443 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3443 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,971 sqft · built 1996
Lot Size	0.147 acres (6,410 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Sep 2026)
Tax Bill	$5,721 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-480-00884100`

Property Details

APN / Parcel Number

Primary APN	`01-480-00884100`
Alternative APNs	`1-480-00884100` `48000884100`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,971 sqft Living Area
Gross Area	2,235 sqft
1st Floor Area	1,132 sqft
Basement Area	839 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Split Foyer
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	6,410 sqft (0.147 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	153 sqft
Deck Area	240 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	48000884100
Street Address	3443 S RIVER TER
City	EDGEWATER
State	MD
Zip	21037-3237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 3 BK D LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	D
Legal Lot Number	3
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1017
Census Tract	701202

Owner

3443 S River Ter is owned and occupied by two individuals who bought it in September 2026.

Source: Anne Arundel County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3443 S RIVER TER, EDGEWATER, MD 21037-3237
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 18, 2026	Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Sep 10, 2019	Grant Deed, Transfer · Conventional with PMI NFM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2026 · Amount on File
Deed Sale	Sep 18, 2026 · Amount on File
Prior Sale	Sep 10, 2019 · Amount on File
Deed Book / Page	42716 / 25
Transfer Doc	0161040694
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 18, 2026
Property Address	3443 S RIVER TER, EDGEWATER, MD 21037-3237
Document Number	4271000025
Book / Page	42716 / 25
Instrument Date	Aug 19, 2026
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	ADMIRAL TITLE LLC, ADMIRAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540,350.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	4271000033,
Date	Sep 18, 2026
Book Page	42716/33

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 10, 2019
Property Address	3443 S RIVER TER, EDGEWATER, MD 21037-3237
Document Number	0335560160
Book / Page	033556 / 000160
Instrument Date	Sep 4, 2019
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$409.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3443 S RIVER TER EDGEWATER MD 210373237, EDGEWATER, MD 21037-3237

Mortgage

Document Number	335560167
Date	Sep 10, 2019
Book Page	033556/000167

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 3443 S River Ter was $5,721, up 6.9% 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	$5,721.00 (+6.85%)	$465,500 (+7.52%) Land $250,200 Building $215,300	$465,500 (-) Land $250,200 Building $215,300
2025	$5,354.00 (+7.27%)	$432,933	$465,500 Land $250,200 Building $215,300
2024	$4,991.00 (+24.28%)
2023	$4,016.00	$367,800 Land $197,200 Building $170,600	$367,800 Land $197,200 Building $170,600

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

Flood

FEMA maps place 3443 S River Ter 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 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 3443 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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