3620 S River Ter, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3620 S River Ter, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,736 sqft · built 2019
Lot Size	0.187 acres (8,150 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Jul 2022)
Tax Bill	$7,474 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-480-05206559`

Property Details

APN / Parcel Number

Primary APN	`01-480-05206559`
Alternative APNs	`148005206559` `48005206559`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,736 sqft Living Area
Gross Area	3,136 sqft
1st Floor Area	1,208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,150 sqft (0.187 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	48005206559
Street Address	3620 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	LTS 2 BK K SC 2 LOCH HAVEN BEACH
Legal Subdivision	LOCH HAVEN BEACH
Legal Block	K
Legal Lot Number	2
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1004
Census Tract	701202

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3620 S RIVER TER, EDGEWATER, MD 21037-3324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Deed, Transfer · Conventional Mortgage FIDELITY FIRST HOME MORTGAGE CO
Sep 9, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE AFFINITY LLC
Jul 3, 2019	Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Jul 3, 2019 · Amount on Record
Deed Book / Page	38898 / 384
Record Updated	Oct 29, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 1, 2022
Property Address	3620 S RIVER TER, EDGEWATER, MD 21037-3324
Document Number	0388980384
Book / Page	38898 / 384
Map Reference	MB 19 PL 47
Instrument Date	Jun 3, 2022
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	FIRST QUALITY TITLE, FIRST EQUITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,250.00
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 in Severalty
Address	3620 SOUTH RIVER TER, EDGEWATER, MD 21037-3324

Mortgage

Document Number	0038898388
Date	Jul 1, 2022
Instrument	38898/388

Lender

Name	FIDELITY FIRST HOME MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3620 S RIVER TER, EDGEWATER, MD 21037-3324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MID ATLANTIC SETMNT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3620 S RIVER TER, EDGEWATER, MD 21037-3324

Mortgage

Document Number	0351820161
Date	Sep 9, 2020
Book Page	35182/161

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 3, 2019
Property Address	3620 S RIVER TER, EDGEWATER, MD 21037-3324
Document Number	0333120454
Book / Page	33312 / 454
Map Reference	MB 19 PL 47
Instrument Date	Jun 27, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	FREESTATE TTL SVCS OF ANNAPO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,998.75
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	3620 S RIVER TER, EDGEWATER, MD 21037-3324

Mortgage

Document Number	0333120462
Date	Jul 3, 2019
Book Page	33312/462

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

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		$795,600 (+34.1%) Land $290,900 Building $504,700	$795,600 (+34.1%) Land $290,900 Building $504,700
2025	$7,474.00 (+15.38%)
2023	$6,478.00 Homeowner's exemption	$593,300 Land $292,700 Building $300,600	$593,300 Land $292,700 Building $300,600

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 100 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 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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