3603 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3603 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,299 sqft · built 2000
Lot Size	0.214 acres (9,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$453,500 (Feb 2017)
Tax Bill	$5,869 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-480-90100056`

Property Details

APN / Parcel Number

Primary APN	`01-480-90100056`
Alternative APNs	`1-480-90100056` `48090100056`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,299 sqft Living Area
Gross Area	2,579 sqft
1st Floor Area	1,146 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,300 sqft (0.214 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	48090100056
Street Address	3603 S RIVER TER
City	EDGEWATER
State	MD
Zip	21037-3325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 29 BK R SC 2 LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	R
Legal Lot Number	29
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1011
Census Tract	701202

Owner

Source: Anne Arundel County records, as of September 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3603 S RIVER TER, EDGEWATER, MD 21037-3325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · VA Mortgage EAGLE BANK
Dec 5, 2019	Deed of Trust, Mortgage · Construction Mortgage EAGLE BANK
Feb 15, 2017	Grant Deed, Transfer · VA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2017 · Amount on Record
Deed Sale	Feb 15, 2017 · Amount on Record
Prior Sale	Sep 6, 2013 · Amount on Record
Deed Document Number	201730647-474
Deed Book / Page	30647 / 474
Prior Transfer Date	Dec 23, 2011
Prior Transfer Doc	0243120228
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3603 S RIVER TER, EDGEWATER, MD 21037-3325
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 SOUTH RIVER TER, EDGEWATER, MD 21037-3325

Mortgage

Document Number	0379570171
Date	Nov 22, 2021
Book Page	37957/171

Lender

Name	EAGLE BANK
Type	Bank
Address	ROCKVILLE, MD 20852

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3603 S RIVER TER, EDGEWATER, MD 21037-3325
Transaction Type	Mortgage
Record Updated	May 27, 2022
Title Company	PINNACLE T&E INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0339200014
Date	Dec 5, 2019
Book Page	33920/014

Lender

Name	EAGLE BANK
Type	Bank
Address	ROCKVILLE, MD 20852

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 15, 2017
Property Address	3603 S RIVER TER, EDGEWATER, MD 21037-3325
Document Number	0306470474
Book / Page	030647 / 000474
Instrument Date	Feb 2, 2017
Transaction Type	Transfer
Record Updated	Oct 2, 2017
Title Company	CHARTER TITLE CORPORATION, CHARTER TITLE CORP.

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$453.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3603 S RIVER TER EDGEWATER MD 210373325, EDGEWATER, MD 21037-3325

Mortgage

Document Number	306470479
Date	Feb 15, 2017
Book Page	030647/000479

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2047

Tax Assessment & Valuation

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		$591,200 (+7.6%) Land $262,500 Building $328,700	$591,200 (-) Land $262,500 Building $328,700
2025	$5,869.00 (+2.48%) Homeowner's exemption	$549,467 (+17.91%)	$591,200 (+26.87%) Land $262,500 Building $328,700
2024	$5,727.00 (+15.23%)
2023	$4,970.00 Homeowner's exemption	$466,000 Land $205,900 Building $260,100	$466,000 Land $205,900 Building $260,100

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

Flood

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.

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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