3875 Ponder Dr, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3875 Ponder Dr, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,027 sqft · built 1995
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,900 (Dec 1995)
Tax Bill	$3,776 (2025)
Deeds & Mortgages	Feb 2023 Second Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-625-06133700`

Property Details

APN / Parcel Number

Primary APN	`01-625-06133700`
Alternative APNs	`162506133700` `62506133700`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,027 sqft Living Area
Gross Area	2,261 sqft
1st Floor Area	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Garage Type	Attached
Garage Area	234 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	90 sqft
Deck Area	248 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	62506133700
Street Address	3875 PONDER DR
City	EDGEWATER
State	MD
Zip	21037-4217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 2 BK D PONDER COVE BEACH
Legal Subdivision	PONDER COVE BEACH
Legal Block	D
Legal Lot Number	2
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2028
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	2 Individual Names on Record
Mailing Address	3875 PONDER DR, EDGEWATER, MD 21037-4217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 1995 · Amount on Record
Deed Sale	Dec 5, 1995 · Amount on Record
Prior Sale	Aug 16, 1995 · Amount on Record
Deed Document Number	199511893
Deed Book / Page	7240 / 516
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3875 PONDER DR, EDGEWATER, MD 21037-4217
Transaction Type	Mortgage
Record Updated	Feb 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3875 PONDER DR, EDGEWATER, MD 21037-4217

Mortgage

Document Number	0394390124
Date	Feb 6, 2023
Book Page	39439/124

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	56 Months
Due	Oct 1, 2027

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		$463,700 (+17.63%) Land $226,700 Building $237,000	$463,700 (+17.63%) Land $226,700 Building $237,000
2025	$3,776.00 (+21.77%)
2023	$3,101.00 Homeowner's exemption	$394,200 Land $215,700 Building $178,500	$394,200 Land $215,700 Building $178,500

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 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	Hurricane Isabel, Sep 2003 · 4 claims

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 87% of Maryland
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 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