3590 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3590 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,600 sqft · built 2002
Lot Size	0.305 acres (13,281 sqft)
Owner	2 Individual Names on File
Last Sale	$2,025,000 (Apr 2026)
Tax Bill	$9,952 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-480-90212063`

Property Details

APN / Parcel Number

Primary APN	`01-480-90212063`
Alternative APNs	`1-480-90212063` `48090212063`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,600 sqft Living Area
Gross Area	4,368 sqft
1st Floor Area	1,440 sqft
Basement Area	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,281 sqft (0.305 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Enclosed Porch
Porch Area	380 sqft
Deck Area	225 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	48090212063
Street Address	3590 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 16R BK K SC 2 LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	K
Legal Lot Number	16R
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1004
Census Tract	701202

Owner

3590 S River Ter is owned and occupied by two individuals who bought it in April 2026.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3590 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on File
Deed Sale	Apr 28, 2026 · Amount on File
Prior Sale	Aug 13, 2001 · Amount on File
Deed Book / Page	42293 / 203
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 28, 2026
Property Address	3590 S RIVER TER, EDGEWATER, MD 21037-3245
Document Number	4229000203
Book / Page	42293 / 203
Instrument Date	Apr 20, 2026
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	EAGLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,045,250.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Investor	Possibly a Property Investor

Mortgage

Document Number	4229000211,
Date	Apr 28, 2026
Book Page	42293/211

Lender

Name	FIRST HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3590 S River Ter was $9,952, up 2.7% from the year before.

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		$1,314,100 (+8.51%) Land $544,300 Building $769,800	$1,314,100 (-) Land $544,300 Building $769,800
2025	$9,952.00 (+2.67%) Homeowner's exemption	$1,211,067	$1,314,100 Land $544,300 Building $769,800
2024	$9,693.00 (+10.2%)
2023	$8,796.00 Homeowner's exemption	$1,005,000 Land $545,600 Building $459,400	$1,005,000 Land $545,600 Building $459,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3590 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 3590 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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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