Anne Arundel County property record for 3500 S River Ter, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 7,228 sqft · built 1997 |
| Lot Size | 0.541 acres (23,565 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Dec 1994) |
| Tax Bill | $11,121 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Mar 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-480-90083943 |
| Primary APN | 01-480-90083943 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 7,228 sqft Living Area |
| Gross Area | 8,120 sqft |
| 1st Floor Area | 3,176 sqft |
| Basement Area | 100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 23,565 sqft (0.541 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 892 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 38 sqft |
| Deck Area | 428 sqft |
| Boat Access | Boat Access |
| Boat House | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 48090083943 |
|---|---|
| Street Address | 3500 S RIVER TER |
| City | EDGEWATER |
| State | MD |
| Zip | 21037-3245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 1 2 PT LT 3 BK J LOCH HAVEN BEACH |
| Legal Subdivision | LOCH HAVEN BEACH |
| Legal Block | J |
| Legal Lot Number | 1 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 701202 |
3500 S River Ter is owned and occupied by two individuals who bought it in December 1994.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 1627, EDGEWATER, MD 21037-7627 |
| 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 |
|---|---|
| Mar 30, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Mar 21, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Jun 19, 2020 | Deed of Trust, Mortgage · Line of Credit NEXTMARK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 1994 · Amount on File |
| Deed Sale | Dec 6, 1994 · Amount on File |
| Deed Book / Page | 6861 / 47 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3500 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0307790125 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 30779/125 |
| Instrument | 30779-125 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | EDGEWATER, MD 21037 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 7, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3500 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0307460268 |
|---|---|
| Date | Mar 21, 2017 |
| Book Page | 30746/268 |
| Instrument | 30746-268 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | EDGEWATER, MD 21037 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 96 Months |
| Due | Mar 7, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3500 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Document Number | 0356150284 |
| Instrument Date | Jun 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3500 S RIVER TER EDGEWATER MD 210373245, EDGEWATER, MD 21037-3245 |
| Document Number | 0356150284 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 035615/000284 |
| Name | NEXTMARK FCU |
|---|---|
| Address | FAIRFAX, VA 22030 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 16, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3500 S River Ter was $11,121 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 | $1,771,500 Land $616,100 Building $1,155,400 | $1,771,500 Land $616,100 Building $1,155,400 | |
| 2025 | $11,121.00 | ||
| 2023 | $9,861.00 Homeowner's exemption | $1,310,900 Land $618,800 Building $692,100 | $1,310,900 Land $618,800 Building $692,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3500 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 AE, 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 risk around 3500 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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