Anne Arundel County property record for 3560 S River Ter, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 5,184 sqft · built 2005 |
| Lot Size | 0.367 acres (16,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,050,000 (Apr 2009) |
| Tax Bill | $14,525 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-480-90027818 |
| Primary APN | 01-480-90027818 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,184 sqft Living Area |
| Gross Area | 5,778 sqft |
| 1st Floor Area | 1,796 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 16,000 sqft (0.367 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 594 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 81 sqft |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 48090027818 |
|---|---|
| Street Address | 3560 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 32 BK K SC 2 SOUTH RIVER TER LOCH HAVEN BEACH |
| Legal Subdivision | LOCH HAVEN BEACH |
| Legal Block | K |
| Legal Lot Number | 32 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 701202 |
3560 S River Ter is owned and occupied by two individuals who acquired it in September 2020.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3560 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 22, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Sep 22, 2020 | Deed of Trust, Mortgage PROSPERITY HM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2009 · Amount on File |
| Deed Sale | Apr 28, 2009 · Amount on File |
| Deed Document Number | 20092595 |
| Deed Book / Page | 20939 / 87 |
| Last Transfer Date | Sep 22, 2020 |
| Transfer Doc | 0354510062 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Oct 22, 2020 |
| Property Address | 3560 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Document Number | 0354510062 |
| Book / Page | 35451 / 62 |
| Map Reference | MB 19 PG 47 |
| Instrument Date | Sep 22, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3560 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Document Number | 3545166 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 35451/66 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Oct 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.5% |
| Index | 1-Year LIBOR |
| Max Rate | 7.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3560 S RIVER TER, EDGEWATER, MD 21037-3245 |
| Document Number | 0354510066 |
| Instrument Date | Sep 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 3560 S RIVER TER EDGEWATER MD 210373245, EDGEWATER, MD 21037-3245 |
| Document Number | 0354510066 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | 035451/000066 |
| Name | PROSPERITY HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 21, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3560 S River Ter was $14,525 with a homeowner's exemption, up 2.4% 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 | $1,487,700 (+9.08%) Land $558,400 Building $929,300 | $1,487,700 (-) Land $558,400 Building $929,300 | |
| 2025 | $14,525.00 (+2.39%) Homeowner's exemption | $1,363,900 | $1,487,700 Land $558,400 Building $929,300 |
| 2024 | $14,186.00 (+16.37%) | ||
| 2023 | $12,190.00 | $1,116,300 Land $561,300 Building $555,000 | $1,116,300 Land $561,300 Building $555,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3560 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 3560 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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