Anne Arundel County property record for 3523 S River Ter, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,256 sqft · built 1957 |
| Lot Size | 0.349 acres (15,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $4,884 (May 2005) |
| Tax Bill | $3,553 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-480-90027418 |
| Primary APN | 01-480-90027418 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| Gross Area | 1,788 sqft |
| 1st Floor Area | 1,256 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,200 sqft (0.349 acres) |
| Garage Type | Attached |
| Garage Area | 532 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Deck Area | 528 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 48090027418 |
|---|---|
| Street Address | 3523 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 35 PT 34 BK M SC2 LOCH HAVEN BEACH |
| Legal Subdivision | LOCH HAVEN BEACH |
| Legal Block | M |
| Legal Lot Number | 34 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 701202 |
3523 S River Ter is owned and occupied by two individuals who bought it in May 2005.
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 | 3523 S RIVER TER, EDGEWATER, MD 21037-3241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2005 · Amount on File |
| Deed Sale | May 24, 2005 · Amount on File |
| Deed Document Number | 20057004 |
| Deed Book / Page | 16342 / 546 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3523 S River Ter was $3,553 with a homeowner's exemption, up 3% from the year before.
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 | $422,200 (+8.26%) Land $287,600 Building $134,600 | $422,200 (-) Land $287,600 Building $134,600 | |
| 2025 | $3,553.00 (+2.96%) Homeowner's exemption | $390,000 | $422,200 Land $287,600 Building $134,600 |
| 2024 | $3,451.00 (+25.4%) | ||
| 2023 | $2,752.00 Homeowner's exemption | $325,600 Land $223,600 Building $102,000 | $325,600 Land $223,600 Building $102,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3523 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 risk around 3523 S River Ter 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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