Anne Arundel County property record for 3531 S River Ter, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,931 sqft · built 1953 |
| Lot Size | 0.294 acres (12,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $691,000 (Mar 2026) |
| Tax Bill | $4,586 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Mar 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-480-09297600 |
| Primary APN | 01-480-09297600 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,931 sqft Living Area |
| Gross Area | 1,958 sqft |
| 1st Floor Area | 1,931 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,800 sqft (0.294 acres) |
| Garage Type | Carport |
| Garage Area | 286 sqft |
| Carport | Carport |
| Carport Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 416 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Municipal |
| Account Number | 48009297600 |
|---|---|
| Street Address | 3531 S RIVER TER |
| City | EDGEWATER |
| State | MD |
| Zip | 21037-3242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | PT LTS 29 30 BK M SC LOCH HAVEN BEACH |
| Legal Subdivision | LOCH HAVEN BEACH |
| Legal Block | M |
| Legal Lot Number | 29 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 701202 |
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 Record |
|---|---|
| Mailing Address | 3531 S RIVER TER, EDGEWATER, MD 21037-3242 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 6, 2026 | Deed, Transfer · VA Mortgage GUILD MORTGAGE CO |
| Apr 27, 2022 | Deed, Transfer · Conventional Mortgage INTERCOASTAL MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2026 · Amount on Record |
| Deed Sale | Mar 6, 2026 · Amount on Record |
| Prior Sale | Apr 27, 2022 · Amount on Record |
| Deed Book / Page | 42139 / 57 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3531 S RIVER TER, EDGEWATER, MD 21037-3242 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3531 S RIVER TER, EDGEWATER, MD 21037-3242 |
| Document Number | 0379600377 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 37960/377 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 5, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Mar 6, 2026 |
| Property Address | 3531 S RIVER TER, EDGEWATER, MD 21037-3242 |
| Document Number | 0421390057 |
| Book / Page | 42139 / 57 |
| Map Reference | MB 19 FO 47 |
| Instrument Date | Mar 4, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | DISTRICT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,727.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3531 SOUTH RIVER TER, EDGEWATER, MD 21037-3242 |
| Document Number | 0004213966 |
|---|---|
| Date | Mar 6, 2026 |
| Instrument | 42139/66 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Apr 27, 2022 |
| Property Address | 3531 S RIVER TER, EDGEWATER, MD 21037-3242 |
| Document Number | 0386590005 |
| Book / Page | 38659 / 5 |
| Map Reference | MB 19 FO 47 |
| Instrument Date | Apr 22, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2022 |
| Title Company | BAY TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3531 SOUTH RIVER TER, EDGEWATER, MD 21037-3242 |
| Document Number | 0003865913 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 38659/13 |
| Name | INTERCOASTAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | May 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.12% |
| Index | Other |
| Max Rate | 8.12% |
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 | $492,800 (+11.31%) Land $277,400 Building $215,400 | $492,800 (-) Land $277,400 Building $215,400 | |
| 2025 | $4,586.00 (+22.59%) Homeowner's exemption | $442,733 (+29.23%) | $492,800 (+43.84%) Land $277,400 Building $215,400 |
| 2023 | $3,741.00 Homeowner's exemption | $342,600 Land $216,400 Building $126,200 | $342,600 Land $216,400 Building $126,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
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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