Anne Arundel County property record for 3491 S River Ter, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,428 sqft · built 1946 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $362,000 (May 2017) |
| Tax Bill | $3,932 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-480-08035400 |
| Primary APN | 01-480-08035400 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,428 sqft Living Area |
| Gross Area | 1,588 sqft |
| 1st Floor Area | 952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| View / Lot | Waterfront |
| Porch | Open Porch |
| Porch Area | 220 sqft |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Municipal |
| Account Number | 48008035400 |
|---|---|
| Street Address | 3491 S RIVER TER |
| City | EDGEWATER |
| State | MD |
| Zip | 21037-3239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LT 5 BK B LOCH HAVEN BEACH |
| Legal Subdivision | LOCH HAVEN BEACH |
| Legal Block | B |
| Legal Lot Number | 5 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 701202 |
3491 S River Ter is owned and occupied by an individual who bought it in May 2017.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3491 S RIVER TER, EDGEWATER, MD 21037-3239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| May 30, 2017 | Grant Deed, Transfer · FHA Mortgage BAY CAP MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 30, 2017 · Amount on File |
| Deed Sale | May 30, 2017 · Amount on File |
| Prior Sale | Mar 19, 2013 · Amount on File |
| Deed Document Number | 201730982-364 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3491 S RIVER TER, EDGEWATER, MD 21037-3239 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0375840435 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 37584/435 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3491 S RIVER TER, EDGEWATER, MD 21037-3239 |
| Document Number | 0356970346 |
| Instrument Date | Oct 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3491 S RIVER TER EDGEWATER MD 210373239, EDGEWATER, MD 21037-3239 |
| Document Number | 0356970346 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 035697/000346 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Nov 30, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 30, 2017 |
| Property Address | 3491 S RIVER TER, EDGEWATER, MD 21037-3239 |
| Document Number | 0309820364 |
| Book / Page | 030982 / 000364 |
| Instrument Date | May 25, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2017 |
| Title Company | FREESTATE TITLE SERVICES/ANNAPOLIS, FREESTATE TITLE SVCS/ANNAPOLIS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $362.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 3491 S RIVER TER EDGEWATER MD 210373239, EDGEWATER, MD 21037-3239 |
| Document Number | 309820370 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 030982/000370 |
| Name | BAY CAP MTG |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 29, 2047 |
The 2025 property tax bill for 3491 S River Ter was $3,932 with a homeowner's exemption.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $444,800 Land $254,800 Building $190,000 | $444,800 Land $254,800 Building $190,000 | |
| 2025 | $3,932.00 | ||
| 2023 | $3,121.00 Homeowner's exemption | $351,100 Land $200,500 Building $150,600 | $351,100 Land $200,500 Building $150,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3491 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 VE, 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 risk around 3491 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 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 131 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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