3513 Cromarty Ln, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3513 Cromarty Ln, Edgewater, MD 21037

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,382 sqft · built 2004
Lot Size	0.04 acres (1,760 sqft)
Owner	2 Individual Names on File
Last Sale	$409,900 (Jan 2017)
Tax Bill	$4,686 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-454-90213348`

Property Details

APN / Parcel Number

Primary APN	`01-454-90213348`
Alternative APNs	`1-454-90213348` `45490213348`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,382 sqft Living Area
Gross Area	2,742 sqft
1st Floor Area	554 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,760 sqft (0.04 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Deck Area	120 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	45490213348
Street Address	3513 CROMARTY LN
City	EDGEWATER
State	MD
Zip	21037-2686
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R10
Legal Description	LT 56 PH 2 THE ENCLAVES/ RIVER OAKS
Legal Subdivision	THE ENCLAVES/ RIVER OAKS
Legal Phase	2
Legal Block	2
Legal Lot Number	56
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2017
Census Tract	701104

Owner

3513 Cromarty Ln, a townhouse, is owned and occupied by two individuals who bought it in January 2017.

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 Individual Names on File
Mailing Address	3513 CROMARTY LN, EDGEWATER, MD 21037-2686
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 31, 2017	Intrafamily Transfer, Transfer · VA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2017 · Amount on File
Deed Sale	Jan 31, 2017 · Amount on File
Prior Sale	Aug 29, 2014 · Amount on File
Deed Document Number	201730591-312
Deed Book / Page	30591 / 312
Prior Transfer Date	Jan 25, 2017
Prior Transfer Doc	0305910312
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3513 CROMARTY LN, EDGEWATER, MD 21037-2686
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	BETTERS LAW TTL & SETMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3513 CROMARTY LN, EDGEWATER, MD 21037-2686

Mortgage

Document Number	0363210098
Date	Mar 9, 2021
Book Page	36321/98

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 31, 2017
Property Address	3513 CROMARTY LN, EDGEWATER, MD 21037-2686
Document Number	0305910312
Book / Page	30591 / 312
Map Reference	MB252 PG47-49
Instrument Date	Jan 25, 2017
Instrument	30591-312
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	RAILWAY TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,523.75
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3513 CROMARTY LN, EDGEWATER, MD 21037-2686

Mortgage

Document Number	30591319
Date	Jan 31, 2017
Instrument	30591-319

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

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		$424,000 (+3.65%) Land $90,000 Building $334,000	$424,000 (-) Land $90,000 Building $334,000
2025		$409,067	$424,000 Land $90,000 Building $334,000
2024	$4,686.00 (+13.19%)
2023	$4,140.00 Homeowner's exemption	$379,200 Land $100,000 Building $279,200	$379,200 Land $100,000 Building $279,200

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

Flood

FEMA maps place 3513 Cromarty Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 40 policies
Nearby Flood Policies	40 in force

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 3513 Cromarty Ln is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BROAD CREEK serves 26,033 people · EPA ID MD0020004
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2017–2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 419 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

May also be available: AT&T.

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