3460 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3460 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,843 sqft · built 1960
Lot Size	0.349 acres (15,190 sqft)
Owner	2 Trust Names on File
Last Sale	$855,000 (Jan 2018)
Tax Bill	$11,673 (2025)
Deeds & Mortgages	Jun 2026 Sale Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-480-02497405`

Property Details

APN / Parcel Number

Primary APN	`01-480-02497405`
Alternative APNs	`1-480-02497405` `48002497405`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,843 sqft Living Area
Gross Area	3,285 sqft
1st Floor Area	2,843 sqft
Basement Area	100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,190 sqft (0.349 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	456 sqft
Deck Area	112 sqft
Shed	1 Shed
Shed Area	176 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	48002497405
Street Address	3460 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 20 PT LT 21 BK A LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	A
Legal Lot Number	20
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1004
Census Tract	701202

Owner

3460 S River Ter is owner-occupied and held in a trust since January 2018.

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 Trust Names on File
Mailing Address	3460 S RIVER TER, EDGEWATER, MD 21037-3235
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC
Nov 4, 2019	Deed of Trust, Mortgage · Line of Credit SANDY SPRING BANK
May 22, 2020	Deed of Trust, Mortgage MOVEMENT MTG
Jan 2, 2018	Grant Deed, Transfer SANTANDER BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2018 · Amount on File
Deed Sale	Jan 2, 2018 · Amount on File
Prior Sale	Feb 12, 1998
Deed Document Number	201831719-028
Transfer Doc	0000001461
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 10, 2026
Property Address	3460 S RIVER TER, EDGEWATER, MD 21037-3235
Document Number	4243000466
Book / Page	42430 / 466
Instrument Date	May 29, 2026
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3460 S RIVER TER, EDGEWATER, MD 21037-3235
Transaction Type	Mortgage
Record Updated	Jun 4, 2021
Title Company	MARYLAND TITLE CENTER LLC, MARYLAND TRUST T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3460 SOUTH RIVER TER, EDGEWATER, MD 21037-3235

Mortgage

Document Number	0362860063
Date	Mar 5, 2021
Book Page	36286/63

Lender

Name	OCMBC INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3460 S RIVER TER, EDGEWATER, MD 21037-3235
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0337950138
Date	Nov 4, 2019
Book Page	33795/138

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Oct 23, 2059

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3460 S RIVER TER, EDGEWATER, MD 21037-3235
Document Number	0346880239
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6224 W SHORE DR TRACYS LANDING MD 207792400, TRACYS LANDING, MD 20779-2400

Mortgage

Document Number	0346880239
Date	Jun 4, 2020
Book Page	034688/000239

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2050

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 2, 2018
Property Address	3460 S RIVER TER, EDGEWATER, MD 21037-3235
Document Number	0317190028
Book / Page	031719 / 000028
Instrument Date	Dec 15, 2017
Transaction Type	Transfer
Record Updated	Jan 31, 2018
Title Company	CHANCELLOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$855.00
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	3460 S RIVER TER EDGEWATER MD 210373235, EDGEWATER, MD 21037-3235

Mortgage

Document Number	317190033
Date	Jan 2, 2018
Book Page	031719/000033

Lender

Name	SANTANDER BK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3460 S River Ter was $11,673.

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		$1,082,000 (+6.79%) Land $562,700 Building $519,300	$1,082,000 (-) Land $562,700 Building $519,300
2025	$11,673.00	$1,013,233	$1,082,000 Land $562,700 Building $519,300
2023	$9,562.00	$875,700 Land $563,000 Building $312,700	$875,700 Land $563,000 Building $312,700

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

Flood

FEMA maps place 3460 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 VE, 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 3460 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

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