3526 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3526 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,610 sqft · built 2020
Lot Size	0.246 acres (10,704 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,392 (2025)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-480-02357600`

Property Details

APN / Parcel Number

Primary APN	`01-480-02357600`
Alternative APNs	`148002357600` `48002357600`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	2,610 sqft Living Area
1st Floor Area	1,323 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,704 sqft (0.246 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	162 sqft
Deck Area	173 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Oil
Sewer	Municipal

Location & Zoning

Account Number	48002357600
Street Address	3526 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	LT 15R BK L SC 2 LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	L
Legal Lot Number	15R
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1004
Census Tract	701202

Owner

3526 S River Ter is owned and occupied by two individuals who acquired it in September 2017.

Source: Anne Arundel County records, as of September 8, 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	3526 S RIVER TER, EDGEWATER, MD 21037-3245
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 20, 2017
Transfer Doc	0031505480
Record Updated	Oct 29, 2026

October 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 30, 2017
Property Address	3526 S RIVER TER, EDGEWATER, MD 21037-3245
Document Number	0315050480
Book / Page	031505 / 000480
Instrument Date	Sep 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 30, 2017
Title Company	TITLE ONE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3526 S RIVER TER EDGEWATER MD 210373245, EDGEWATER, MD 21037-3245

Mortgage

Document Number	315050484
Date	Oct 30, 2017
Book Page	031505/000484

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3526 S River Ter was $11,392 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		$1,031,700 Land $467,700 Building $564,000	$1,031,700 Land $467,700 Building $564,000
2025	$11,392.00
2023	$5,767.00	$528,200 Land $526,100 Building $2,100	$528,200 Land $526,100 Building $2,100

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

Flood

FEMA maps place 3526 S River Ter in Zone X, an area of minimal flood risk, within 100 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 100 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 3526 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.

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