3519 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3519 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,648 sqft · built 1957
Lot Size	0.262 acres (11,400 sqft)
Owner	2 Individual Names on File
Last Sale	$112,500 (Oct 1993)
Tax Bill	$3,282 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-480-00439700`

Property Details

APN / Parcel Number

Primary APN	`01-480-00439700`
Alternative APNs	`148000439700` `48000439700`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,648 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	11,400 sqft (0.262 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	169 sqft
Patio Area	144 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	48000439700
Street Address	3519 S RIVER TER
City	EDGEWATER
State	MD
Zip	21037-3241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 36 BK M SC 2 LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	M
Legal Lot Number	36
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1007
Census Tract	701202

Owner

3519 S River Ter is owned and occupied by two individuals who bought it in October 1993.

Source: Anne Arundel County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3519 S RIVER TER, EDGEWATER, MD 21037-3241
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 1993 · Amount on File
Deed Sale	Oct 22, 1993 · Amount on File
Deed Book / Page	6275 / 380
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3519 S RIVER TER, EDGEWATER, MD 21037-3241
Transaction Type	Mortgage
Record Updated	Aug 6, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0371810408
Date	Jul 12, 2021
Book Page	37181/408

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	93 Months
Due	Apr 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 3519 S River Ter was $3,282 with a homeowner's exemption.

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		$408,900 Land $271,400 Building $137,500	$408,900 Land $271,400 Building $137,500
2025	$3,282.00
2023	$2,494.00 Homeowner's exemption	$316,300 Land $212,200 Building $104,100	$316,300 Land $212,200 Building $104,100

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

Flood

FEMA maps place 3519 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 AE, 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

Wildfire risk around 3519 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.

Internet Providers

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