3618 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3618 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,736 sqft · built 2018
Lot Size	0.187 acres (8,150 sqft)
Owner	2 Individual Names on File
Last Sale	$749,000 (Jul 2023)
Tax Bill	$9,263 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-480-90243920`

Property Details

APN / Parcel Number

Primary APN	`01-480-90243920`
Alternative APN	`48090243920`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,736 sqft Living Area
Gross Area	3,156 sqft
1st Floor Area	1,208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,150 sqft (0.187 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	160 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	48090243920
Street Address	3618 S RIVER TER
City	EDGEWATER
State	MD
Zip	21037-3324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 3 BK K SC 2 LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	K
Legal Lot Number	3
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1004
Census Tract	701202

Owner

3618 S River Ter is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3618 S RIVER TER, EDGEWATER, MD 21037-3324
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
Jul 10, 2023	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY CAP MTG
May 14, 2019	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2023 · Amount on File
Deed Sale	Jul 10, 2023 · Amount on File
Prior Sale	May 14, 2019 · Amount on File
Deed Book / Page	39781 / 440
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 10, 2023
Property Address	3618 S RIVER TER, EDGEWATER, MD 21037-3324
Document Number	0397810440
Book / Page	39781 / 440
Map Reference	MB 19 PL 47
Instrument Date	Jun 23, 2023
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	ABLE TITLE AGENCY LLC, ALLIED TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
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	3618 SOUTH RIVER TER, EDGEWATER, MD 21037-3324

Mortgage

Document Number	0039781445
Date	Jul 10, 2023
Instrument	39781/445

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3618 S RIVER TER, EDGEWATER, MD 21037-3324
Document Number	0350520455
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	VELOCITY NATIONAL TITLE COMPANY, VELOCITY NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3618 S RIVER TER EDGEWATER MD 210373324, EDGEWATER, MD 21037-3324

Mortgage

Document Number	0350520455
Date	Aug 17, 2020
Book Page	035052/000455

Lender

Name	BAY CAP MTG
Type	Mortgage Company
Address	CAPE SAINT CLAIRE, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2050

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 14, 2019
Property Address	3618 S RIVER TER, EDGEWATER, MD 21037-3324
Document Number	0331360051
Book / Page	33136 / 051
Map Reference	MB 19 PL 47
Instrument Date	May 13, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	FREESTATE TTL SVCS OF ANNAPO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,398.50
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 in Severalty
Address	3618 S RIVER TER, EDGEWATER, MD 21037-3324

Mortgage

Document Number	33136057
Date	May 14, 2019
Instrument	33136/057

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3618 S River Ter was $9,263 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		$791,900 Land $290,900 Building $501,000	$791,900 Land $290,900 Building $501,000
2025	$9,263.00
2023	$6,801.00 (-11.45%) Homeowner's exemption	$816,500 (+11.09%) Land $508,700 Building $307,800	$816,500 (-) Land $508,700 Building $307,800
2022	$7,680.00 Homeowner's exemption	$735,000	$816,500 Land $508,700 Building $307,800

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

Flood

FEMA maps place 3618 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 3618 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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