3448 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3448 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,700 sqft · built 2002
Lot Size	0.173 acres (7,540 sqft)
Owner	2 Individual Names on Record
Last Sale	$770,000 (Oct 2012)
Tax Bill	$9,849 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-480-05276400`

Property Details

APN / Parcel Number

Primary APN	`01-480-05276400`
Alternative APNs	`1-480-05276400` `48005276400`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,700 sqft Living Area
1st Floor Area	1,356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,540 sqft (0.173 acres)
View / Lot	Waterfront
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	320 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	48005276400
Street Address	3448 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 26 BK A LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	A
Legal Lot Number	26
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1004
Census Tract	701202

Owner

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 Record
Mailing Address	3448 S RIVER TER, EDGEWATER, MD 21037-3235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL BANK NA
Jun 24, 2021	Deed of Trust, Mortgage · Line of Credit CAPITAL BANK NA
Jun 5, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2012 · Amount on Record
Deed Sale	Oct 23, 2012 · Amount on Record
Prior Sale	Sep 6, 2000 · Amount on Record
Deed Book / Page	25270 / 278
Last Transfer Date	May 24, 2021
Transfer Doc	0369220003
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3448 S RIVER TER, EDGEWATER, MD 21037-3235
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	MADISON SETTLEMENT SERVICES-CARLIS, MADISON STLMT SVCS BRANDYWI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0385730327
Date	Apr 7, 2022
Book Page	38573/327

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	166 Months
Due	Feb 1, 2036

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3448 S RIVER TER, EDGEWATER, MD 21037-3235
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	MADISON SETTLEMENT SERVICES-CARLIS, MADISON SETMNT SVCS BALTIMOR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3448 SOUTH RIVER TER, EDGEWATER, MD 21037-3235

Mortgage

Document Number	0370510328
Date	Jun 24, 2021
Book Page	37051/328

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 5, 2021
Property Address	3448 S RIVER TER, EDGEWATER, MD 21037-3235
Document Number	0369220003
Book / Page	36922 / 3
Map Reference	MB 19 PG 19
Instrument Date	May 24, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 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	3448 SOUTH RIVER TER, EDGEWATER, MD 21037-3235

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		$997,500 (+6.92%) Land $505,400 Building $492,100	$997,500 (-) Land $505,400 Building $492,100
2025	$9,849.00 (+2.23%) Homeowner's exemption	$932,900 (+16.08%)	$997,500 (+24.11%) Land $505,400 Building $492,100
2024	$9,634.00 (+9.83%)
2023	$8,772.00 Homeowner's exemption	$803,700 Land $505,700 Building $298,000	$803,700 Land $505,700 Building $298,000

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
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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