3462 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3462 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,828 sqft · built 1996
Lot Size	0.157 acres (6,840 sqft)
Owner	2 Company Names on Record
Last Sale	$740,000 (Jul 2013)
Tax Bill	$9,499 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-480-02976400`

Property Details

APN / Parcel Number

Primary APN	`01-480-02976400`
Alternative APNs	`1-480-02976400` `48002976400`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,828 sqft Living Area
Gross Area	3,269 sqft
1st Floor Area	1,249 sqft
Basement Area	675 sqft
Finished Basement	675 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,840 sqft (0.157 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	102 sqft
Deck Area	273 sqft
Patio Area	279 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	48002976400
Street Address	3462 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 19 BK A LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	A
Legal Lot Number	19
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3462 S RIVER TER, EDGEWATER, MD 21037-3235
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 7, 2025	Intrafamily Transfer, Transfer
May 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY FIRST HOME MORTGAGE CO
Jul 20, 2020	Deed of Trust, Mortgage · VA Mortgage STATE EMPS CU/MD INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2013 · Amount on Record
Deed Sale	Jul 25, 2013 · Amount on Record
Prior Sale	Jul 31, 1996 · Amount on Record
Deed Book / Page	26443 / 40
Last Transfer Date	Oct 30, 2025
Transfer Doc	0418120148
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3462 S RIVER TER, EDGEWATER, MD 21037-3235
Transaction Type	Mortgage
Record Updated	Jan 26, 2026
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3462 S RIVER TER, EDGEWATER, MD 21037-3235

Mortgage

Document Number	0419790429
Date	Jan 8, 2026
Book Page	41979/429

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 7, 2025
Property Address	3462 S RIVER TER, EDGEWATER, MD 21037-3235
Document Number	0418120148
Book / Page	41812 / 148
Map Reference	MB 19 PG 19
Instrument Date	Oct 30, 2025
Transaction Type	Transfer
Record Updated	Dec 2, 2025

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	Revocable Trust
Address	3462 SOUTH RIVER TER, EDGEWATER, MD 21037-3235

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3462 S RIVER TER, EDGEWATER, MD 21037-3235
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0309190239
Date	May 11, 2017
Book Page	30919/239
Instrument	30919-239

Lender

Name	FIDELITY FIRST HOME MORTGAGE CO
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3462 S RIVER TER, EDGEWATER, MD 21037-3235
Document Number	0351190160
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3462 S RIVER TER EDGEWATER MD 210373235, EDGEWATER, MD 21037-3235

Mortgage

Document Number	0351190160
Date	Aug 27, 2020
Book Page	035119/000160

Lender

Name	STATE EMPS CU/MD INC
Address	LINTHICUM, MD 21090

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2050

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		$985,200 (+6.94%) Land $500,200 Building $485,000	$985,200 (-) Land $500,200 Building $485,000
2025	$9,499.00 (+2.26%) Homeowner's exemption	$921,233 (+16.13%)	$985,200 (+24.19%) Land $500,200 Building $485,000
2024	$9,289.00 (+10.12%)
2023	$8,435.00 Homeowner's exemption	$793,300 Land $500,500 Building $292,800	$793,300 Land $500,500 Building $292,800

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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