3598 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3598 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	6 ba · 5,337 sqft · built 2003
Lot Size	0.232 acres (10,100 sqft)
Owner	2 Individual Names on File
Last Sale	$1,030,000 (Apr 2020)
Tax Bill	$12,186 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-480-03631400`

Property Details

APN / Parcel Number

Primary APN	`01-480-03631400`
Alternative APNs	`148003631400` `48003631400`

Interior

Full Baths	6 Baths
Stories	2 Stories
Building Area	5,337 sqft Living Area
Gross Area	5,975 sqft
1st Floor Area	1,694 sqft
Basement Area	1,267 sqft
Finished Basement	1,267 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,100 sqft (0.232 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	430 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	48003631400
Street Address	3598 S RIVER TER
City	EDGEWATER
State	MD
Zip	21037-3245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 13 BK K SC 2 LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	K
Legal Lot Number	13
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1004
Census Tract	701202

Owner

3598 S River Ter is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3598 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

Date	Document
Aug 4, 2022	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK
Apr 3, 2020	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2020 · Amount on File
Deed Sale	Apr 3, 2020 · Amount on File
Prior Sale	Aug 6, 2007 · Amount on File
Deed Book / Page	34398 / 191
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3598 S RIVER TER, EDGEWATER, MD 21037-3245
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	DOMA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3598 SOUTH RIVER TER, EDGEWATER, MD 21037-3245

Mortgage

Document Number	0389980170
Date	Aug 4, 2022
Book Page	38998/170

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 26, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3598 S RIVER TER, EDGEWATER, MD 21037-3245
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	BETTERS TITLE AND SETMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0372330450
Date	Jul 20, 2021
Book Page	37233/450

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 3, 2020
Property Address	3598 S RIVER TER, EDGEWATER, MD 21037-3245
Document Number	0343980191
Book / Page	34398 / 191
Map Reference	MB 19 FO 47
Instrument Date	Mar 30, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	FREESTATE TTL SVCS OF ANNOPO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3598 S RIVER TER, EDGEWATER, MD 21037-3245

Mortgage

Document Number	3439197
Date	Apr 3, 2020
Instrument	3439/197

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Apr 1, 2035
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

Tax Assessment & Valuation

The 2025 property tax bill for 3598 S River Ter was $12,186 with a homeowner's exemption.

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		$1,326,500 Land $520,600 Building $805,900	$1,326,500 Land $520,600 Building $805,900
2025	$12,186.00
2023	$10,946.00	$1,002,400 Land $521,900 Building $480,500	$1,002,400 Land $521,900 Building $480,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3598 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

Wildfire risk around 3598 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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