3515 Cromarty Ln, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3515 Cromarty Ln, Edgewater, MD 21037

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,414 sqft · built 2004
Lot Size	0.04 acres (1,760 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,000 (Apr 2026)
Tax Bill	$5,105 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-454-90213349`

Property Details

APN / Parcel Number

Primary APN	`01-454-90213349`
Alternative APNs	`1-454-90213349` `45490213349`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,414 sqft Living Area
Gross Area	2,774 sqft
1st Floor Area	570 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	318 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	45490213349
Street Address	3515 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 57 THE ENCLAVES/ RIVER OAKS
Legal Subdivision	THE ENCLAVES/ RIVER OAKS
Legal Block	2
Legal Lot Number	57
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2017
Census Tract	701104

Owner

Source: Anne Arundel County records, as of September 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3515 CROMARTY LN, EDGEWATER, MD 21037-2686
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK NA
Apr 14, 2026	Deed, Transfer · Conventional Mortgage GPN TITLE
Apr 14, 2026	Deed, Transfer · Conventional Mortgage MANUFACTURERS BANK AND TRUST COMPANY
Jun 15, 2022	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2026 · Amount on Record
Deed Sale	Apr 14, 2026 · Amount on Record
Prior Sale	Jun 15, 2022 · Amount on Record
Deed Book / Page	42262 / 436
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3515 CROMARTY LN, EDGEWATER, MD 21037-2686
Transaction Type	Mortgage
Record Updated	Apr 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0379570375
Date	Nov 22, 2021
Book Page	37957/375

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.75%
Index	Other
Margin	3
Max Rate	7.75%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 14, 2026
Property Address	3515 CROMARTY LN, EDGEWATER, MD 21037-2686
Document Number	4226000436
Book / Page	42262 / 436
Instrument Date	Apr 13, 2026
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	GPN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3515 CROMARTY LN, EDGEWATER, MD 21037-2686

Mortgage

Document Number	4226000445,
Date	Apr 14, 2026
Book Page	42262/445

Lender

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 14, 2026
Property Address	3515 CROMARTY LN, EDGEWATER, MD 21037-2686
Document Number	0422620436
Book / Page	42262 / 436
Instrument Date	Apr 13, 2026
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	GPN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3515 CROMARTY LN, EDGEWATER, MD 21037-2686

Mortgage

Document Number	4226000445,
Date	Apr 14, 2026
Book Page	42262/445

Lender

Name	MANUFACTURERS BANK AND TRUST COMPANY

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 15, 2022
Property Address	3515 CROMARTY LN, EDGEWATER, MD 21037-2686
Document Number	0388330273
Book / Page	38833 / 273
Map Reference	MB 252FO47-49PL13174
Instrument Date	Jun 8, 2022
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3515 CROMARTY LN, EDGEWATER, MD 21037-2686

Mortgage

Document Number	0038833282
Date	Jun 15, 2022
Instrument	38833/282

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

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		$447,500 (+5.02%) Land $90,000 Building $357,500	$447,500 (-) Land $90,000 Building $357,500
2025	$5,105.00 (+4.74%)	$426,100 (+11.17%)	$447,500 (+16.75%) Land $90,000 Building $357,500
2024	$4,874.00 (+16.46%)
2023	$4,185.00	$383,300 Land $100,000 Building $283,300	$383,300 Land $100,000 Building $283,300

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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