Anne Arundel County property record for 3528 S River Ter, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,515 sqft · built 1959 |
| Lot Size | 0.289 acres (12,566 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,450,000 (May 2025) |
| Tax Bill | $9,319 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-480-02356200 |
| Primary APN | 01-480-02356200 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,515 sqft Living Area |
| Gross Area | 1,923 sqft |
| 1st Floor Area | 1,515 sqft |
| Basement Area | 1 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 12,566 sqft (0.289 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 408 sqft |
| Patio Area | 392 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 48002356200 |
|---|---|
| Street Address | 3528 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 14R BK L SC 2 LOCH HAVEN BEACH |
| Legal Subdivision | LOCH HAVEN BEACH |
| Legal Block | L |
| Legal Lot Number | 14R |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 701202 |
3528 S River Ter is owned and occupied by two individuals who bought it in May 2025.
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 | 3528 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 8, 2025 | Deed of Trust, Mortgage · Conventional Mortgage DIGITAL FCU |
| Oct 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Aug 7, 2019 | Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2025 · Amount on File |
| Deed Sale | May 6, 2025 · Amount on File |
| Prior Sale | Aug 7, 2019 · Amount on File |
| Deed Book / Page | 41298 / 367 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3528 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3528 SOUTH RIVER TER, EDGEWATER, MD 21037-3245 |
| Document Number | 0417170249 |
|---|---|
| Date | Oct 8, 2025 |
| Book Page | 41717/249 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Address | MARLBOROUGH, MA 01752 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3528 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | CAPITOL TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0377630179 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 37763/179 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Aug 7, 2019 |
| Property Address | 3528 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Document Number | 0334340248 |
| Book / Page | 33434 / 248 |
| Map Reference | MB 308 PG 31 PL15957 |
| Instrument Date | Aug 5, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | FREESTATE TTL SVCS OF ANNAPO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 3528 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Document Number | 33434254 |
|---|---|
| Date | Aug 7, 2019 |
| Instrument | 33434/254 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 3528 S River Ter was $9,319.
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 | $836,000 Land $536,800 Building $299,200 | $836,000 Land $536,800 Building $299,200 | |
| 2025 | $9,319.00 | ||
| 2023 | $7,854.00 | $719,300 Land $538,700 Building $180,600 | $719,300 Land $538,700 Building $180,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3528 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 risk around 3528 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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