3615 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3615 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,730 sqft · built 1964
Lot Size	0.463 acres (20,150 sqft)
Owner	2 Individual Names on File
Last Sale	$770,000 (May 2022)
Tax Bill	$7,360 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Feb 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-480-02839900`

Property Details

APN / Parcel Number

Primary APN	`01-480-02839900`
Alternative APNs	`1-480-02839900` `48002839900`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,730 sqft Living Area
Gross Area	4,450 sqft
1st Floor Area	2,356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,150 sqft (0.463 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	216 sqft
Patio Area	624 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	48002839900
Street Address	3615 S RIVER TER
City	EDGEWATER
State	MD
Zip	21037-3326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LTS 10 11 BK T SC 2 LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	T
Legal Lot Number	10
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1024
Census Tract	701202

Owner

3615 S River Ter is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3615 S RIVER TER, EDGEWATER, MD 21037-3326
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 7, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 31, 2022	Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2022 · Amount on File
Deed Sale	May 31, 2022 · Amount on File
Prior Sale	Nov 22, 1996 · Amount on File
Deed Book / Page	38786 / 263
Prior Transfer Date	Nov 9, 2016
Prior Transfer Doc	0303890494
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3615 S RIVER TER, EDGEWATER, MD 21037-3326
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3615 S RIVER TER, EDGEWATER, MD 21037-3326

Mortgage

Document Number	0417120339
Date	Oct 6, 2025
Book Page	41712/339

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Oct 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3615 S RIVER TER, EDGEWATER, MD 21037-3326
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0306140390
Date	Feb 7, 2017
Book Page	30614/390
Instrument	30614-390

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 31, 2022
Property Address	3615 S RIVER TER, EDGEWATER, MD 21037-3326
Document Number	0387860263
Book / Page	38786 / 263
Map Reference	MB 19 FO 47
Instrument Date	May 16, 2022
Transaction Type	Transfer
Record Updated	Jun 10, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,550.00
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	3615 SOUTH RIVER TER, EDGEWATER, MD 21037-3326

Mortgage

Document Number	0038786269
Date	May 31, 2022
Instrument	38786/269

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3615 S River Ter was $7,360 with a homeowner's exemption, up 2.6% 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		$787,400 (+9.45%) Land $308,000 Building $479,400	$787,400 (-) Land $308,000 Building $479,400
2025	$7,360.00 (+2.58%) Homeowner's exemption	$719,400	$787,400 Land $308,000 Building $479,400
2024	$7,175.00 (+12.64%)
2023	$6,370.00 Homeowner's exemption	$583,400 Land $238,000 Building $345,400	$583,400 Land $238,000 Building $345,400

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

Flood

FEMA maps place 3615 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 3615 S River Ter is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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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