Anne Arundel County property record for 3556 S River Ter, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 1,902 sqft · built 1950 |
| Lot Size | 0.378 acres (16,450 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $879,000 (May 2021) |
| Tax Bill | $10,181 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit Oct 2021 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-480-02230200 |
| Primary APN | 01-480-02230200 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,902 sqft Living Area |
| 1st Floor Area | 1,382 sqft |
| Basement Area | 520 sqft |
| Finished Basement | 520 sqft |
| Utility Area | 72 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 16,450 sqft (0.378 acres) |
| View / Lot | Waterfront |
| Garage Type | Carport |
| Garage Area | 440 sqft |
| Carport | Carport |
| Carport Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 124 sqft |
| Deck Area | 120 sqft |
| Patio Area | 192 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | 48002230200 |
|---|---|
| Street Address | 3556 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 34 BK K SC 2 LOCH HAVEN BEACH |
| Legal Subdivision | LOCH HAVEN BEACH |
| Legal Block | K |
| Legal Lot Number | 34 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 701202 |
3556 S River Ter is owned and occupied by two individuals who acquired it in October 2021.
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 | 3556 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 2, 2024 | Deed of Trust, Mortgage · Line of Credit CHAIN BRIDGE BANK NA |
| Oct 25, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| May 18, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 30, 2019 | Deed of Trust, Mortgage WALNUT STREET FIN LLC |
| Jul 29, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2021 · Amount on File |
| Deed Sale | May 18, 2021 · Amount on File |
| Prior Sale | Feb 5, 2020 · Amount on File |
| Deed Book / Page | 36806 / 416 |
| Last Transfer Date | Oct 7, 2021 |
| Transfer Doc | 0377740426 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3556 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2024 |
| Title Company | EKKO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0404010082 |
|---|---|
| Date | May 2, 2024 |
| Book Page | 40401/82 |
| Name | CHAIN BRIDGE BANK NA |
|---|---|
| Type | Bank |
| Address | MC LEAN, VA 22101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 30, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Oct 25, 2021 |
| Property Address | 3556 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Document Number | 0377740426 |
| Book / Page | 37774 / 426 |
| Map Reference | MB 19 PG 47 |
| Instrument Date | Oct 7, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3556 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 18, 2021 |
| Property Address | 3556 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Document Number | 0368060416 |
| Book / Page | 36806 / 416 |
| Map Reference | MB 19 PG 47 |
| Instrument Date | Jan 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Title Company | CAPITOL TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13,185.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1117 KENSINGTON RD, MCLEAN, VA 22101-2919 |
| Document Number | 0036806422 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 36806/422 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3556 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Instrument Date | Sep 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2020 |
| Title Company | HERITAGE TITLE LIMITED, HERITAGE TITLE LTD |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 953 BARGAGNI RD CROWNSVILLE MD 210321604, CROWNSVILLE, MD 21032-1604 |
| Document Number | 341600396 |
|---|---|
| Date | Feb 5, 2020 |
| Book Page | 034160/000396 |
| Name | WALNUT STREET FIN LLC |
|---|---|
| Address | FAIRFAX, VA 22030 |
| Amount | Amount on Record |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jul 29, 2019 |
| Property Address | 3556 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Document Number | 0333910133 |
| Book / Page | 033391 / 000133 |
| Instrument Date | Jul 24, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2727 29TH ST NW #417 WASHINGTON DC 200085543, 417, WASHINGTON, DC 20008-5543 |
The 2025 property tax bill for 3556 S River Ter was $10,181, up 9.4% 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 | $958,400 (+9.38%) Land $562,900 Building $395,500 | $958,400 (-) Land $562,900 Building $395,500 | |
| 2025 | $10,181.00 (+9.45%) | $876,233 | $958,400 Land $562,900 Building $395,500 |
| 2024 | $9,302.00 (+19.67%) | ||
| 2023 | $7,773.00 | $711,900 Land $565,500 Building $146,400 | $711,900 Land $565,500 Building $146,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3556 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 3556 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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