Anne Arundel County property record for 3518 S River Ter, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 4,492 sqft · built 1968 |
| Lot Size | 0.352 acres (15,350 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,570 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 01-480-06178000 |
| Primary APN | 01-480-06178000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,492 sqft Living Area |
| Gross Area | 5,068 sqft |
| 1st Floor Area | 2,488 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,350 sqft (0.352 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | 48006178000 |
|---|---|
| Street Address | 3518 S RIVER TER |
| City | EDGEWATER |
| State | MD |
| Zip | 21037-3245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LTS 19 20 BK L SC 2 LOCH HAVEN BEACH |
| Legal Subdivision | LOCH HAVEN BEACH |
| Legal Block | L |
| Legal Lot Number | 19 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 701202 |
3518 S River Ter is owned and occupied by two individuals.
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 | 3518 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3518 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FREESTATE TTL SVCS OF ANNAPO |
| Name | Verified Name |
|---|
| Document Number | 0348560406 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | 34856/406 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2035 |
The 2025 property tax bill for 3518 S River Ter was $8,570 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 | $1,075,000 Land $559,700 Building $515,300 | $1,075,000 Land $559,700 Building $515,300 | |
| 2025 | $8,570.00 | ||
| 2023 | $7,534.00 Homeowner's exemption | $871,200 Land $561,100 Building $310,100 | $871,200 Land $561,100 Building $310,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3518 S River Ter in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 6.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 3518 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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