Anne Arundel County property record for 3820 Ponder Dr, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,104 sqft · built 1957 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Nov 2013) |
| Tax Bill | $4,354 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-625-06182199 |
| Primary APN | 01-625-06182199 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,250 sqft (0.258 acres) |
| Garage Area | 570 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 62506182199 |
|---|---|
| Street Address | 3820 PONDER DR |
| City | EDGEWATER |
| State | MD |
| Zip | 21037-4211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 1 BK L PONDER COVE BEACH |
| Legal Subdivision | PONDER COVE BEACH |
| Legal Block | L |
| Legal Lot Number | 1 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 701202 |
3820 Ponder Dr is owned and occupied by two individuals who bought it in November 2013.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3820 PONDER DR, EDGEWATER, MD 21037-4211 |
| 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.
| Date | Document |
|---|---|
| Dec 6, 2022 | Deed of Trust, Mortgage · Line of Credit EDUCATIONAL SYSTEMS FCU |
| Apr 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Nov 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MONEY SOURCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2013 · Amount on File |
| Deed Sale | Nov 13, 2013 · Amount on File |
| Prior Sale | Sep 19, 2002 · Amount on File |
| Deed Book / Page | 26823 / 283 |
| Transfer Doc | 0118900492 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3820 PONDER DR, EDGEWATER, MD 21037-4211 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Title Company | MORTGAGE INFORMATION SVCS IN |
| Name | Verified Name |
|---|
| Document Number | 0393170135 |
|---|---|
| Date | Dec 6, 2022 |
| Book Page | 39317/135 |
| Name | EDUCATIONAL SYSTEMS FCU |
|---|---|
| Type | Credit Union |
| Address | GREENBELT, MD 20770 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3820 PONDER DR, EDGEWATER, MD 21037-4211 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0365930277 |
|---|---|
| Date | Apr 20, 2021 |
| Book Page | 36593/277 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3820 PONDER DR, EDGEWATER, MD 21037-4211 |
| Document Number | 0315910446 |
| Book / Page | 031591 / 000446 |
| Instrument Date | Nov 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3820 PONDER DR EDGEWATER MD 210374211, EDGEWATER, MD 21037-4211 |
| Document Number | 0315910446 |
|---|---|
| Date | Nov 21, 2017 |
| Book Page | 031591/000446 |
| Name | MONEY SOURCE |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 20, 2047 |
The 2025 property tax bill for 3820 Ponder Dr was $4,354, up 4% from the year before.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $366,900 (+4.31%) Land $226,700 Building $140,200 | $366,900 (-) Land $226,700 Building $140,200 | |
| 2025 | $4,354.00 (+3.99%) | $351,733 | $366,900 Land $226,700 Building $140,200 |
| 2024 | $4,187.00 (+19.32%) | ||
| 2023 | $3,509.00 | $321,400 Land $215,700 Building $105,700 | $321,400 Land $215,700 Building $105,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3820 Ponder Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 165 policies |
| Nearby Flood Policies | 165 in force |
| Nearby Flood Claims | 15 (2003–2024) |
| Claims Outside the SFHA | 1 of 15 |
| Most Recent Claim | Apr 2024 · river or lake flooding |
| Claims by Event |
|
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 risk around 3820 Ponder Dr 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 324 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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