3451 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3451 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Lot Size	0.21 acres (9,130 sqft)
Owner	Individual Name on File
Last Sale	$536,000 (Jul 2020)
Tax Bill	$295 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`01-480-05041503`

Property Details

APN / Parcel Number

Primary APN	`01-480-05041503`
Alternative APNs	`148005041503` `48005041503`

Exterior

Lot Area	9,130 sqft (0.21 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	48005041503
Street Address	3451 S RIVER TER
City	EDGEWATER
State	MD
Zip	21037-3238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 5 BK C LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	C
Legal Lot Number	5
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1009
Census Tract	701202

Owner

3451 S River Ter is owned by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3453 S RIVER TER, EDGEWATER, MD 21037-3238
Owner Type	Individual
Vesting	Sole Owner

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
Jul 13, 2020	Special Warranty Deed, Transfer · Conventional Mortgage NASA FCU
Apr 12, 2018	Grant Deed, Transfer CAPITOL TITLE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2020 · Amount on File
Deed Sale	Jul 13, 2020 · Amount on File
Deed Book / Page	34880 / 478
Record Updated	Oct 29, 2026

July 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 13, 2020
Property Address	3451 S RIVER TER, EDGEWATER, MD 21037-3238
Document Number	0348800478
Book / Page	34880 / 478
Map Reference	MB 19 FO 19
Instrument Date	Mar 20, 2020
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3691 N CAROLINA AVE, 3691, EDGEWATER, MD 21037-3333

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1321 MAYO RD, EDGEWATER, MD 21037-4633

Mortgage

Document Number	0034880485
Date	Jul 13, 2020
Instrument	34880/485

Lender

Name	NASA FCU
Type	Credit Union

Agreement

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

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 12, 2018
Property Address	3451 S RIVER TER, EDGEWATER, MD 21037-3238
Document Number	0320050001
Book / Page	032005 / 000001
Instrument Date	Apr 5, 2018
Transaction Type	Transfer
Record Updated	Apr 24, 2018
Title Company	CAPITOL TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 553 EDGEWATER MD 210370553, EDGEWATER, MD 21037-0553

Tax Assessment & Valuation

The 2025 property tax bill for 3451 S River Ter was $295.

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		$18,200 Land $18,200	$18,200 Land $18,200
2025	$295.00
2023	$144.00	$13,200 Land $13,200	$13,200 Land $13,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3451 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 3451 S River Ter is low, with less than 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 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

Nearby Properties on S River Ter

Nearby Streets

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