Anne Arundel County property record for 3921 Cove Rd, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,484 sqft · built 1980 |
| Lot Size | 0.296 acres (12,900 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $370,000 (Jan 2020) |
| Tax Bill | $4,672 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jan 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-654-05590820 |
| Primary APN | 01-654-05590820 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,484 sqft Living Area |
| 1st Floor Area | 1,484 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,900 sqft (0.296 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 208 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 65405590820 |
|---|---|
| Street Address | 3921 COVE RD |
| City | EDGEWATER |
| State | MD |
| Zip | 21037-4311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 5 BK C RAMSEY BAY |
| Legal Subdivision | RAMSEY BAY |
| Legal Block | C |
| Legal Lot Number | 5 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 701201 |
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 | 3921 COVE RD, EDGEWATER, MD 21037-4311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Jan 31, 2020 | Grant Deed, Transfer NAVY FCU |
| Jun 7, 2017 | Grant Deed, Transfer · VA Mortgage APEX HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2020 · Amount on Record |
| Deed Sale | Jan 31, 2020 · Amount on Record |
| Prior Sale | Jun 7, 2017 · Amount on Record |
| Deed Book / Page | 34142 / 226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3921 COVE RD, EDGEWATER, MD 21037-4311 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | TITLE FORWARD |
| Name | Verified Name |
|---|
| Document Number | 0358290124 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 35829/124 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jan 31, 2020 |
| Property Address | 3921 COVE RD, EDGEWATER, MD 21037-4311 |
| Document Number | 0341420226 |
| Book / Page | 034142 / 000226 |
| Instrument Date | Jan 29, 2020 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2020 |
| Title Company | TITLE FORWARD |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $370.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3921 COVE RD EDGEWATER MD 210374311, EDGEWATER, MD 21037-4311 |
| Document Number | 341420234 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 034142/000234 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 30, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jun 7, 2017 |
| Property Address | 3921 COVE RD, EDGEWATER, MD 21037-4311 |
| Document Number | 0310160099 |
| Book / Page | 031016 / 000099 |
| Instrument Date | Jun 2, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2017 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $369.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3921 COVE RD EDGEWATER MD 210374311, EDGEWATER, MD 21037-4311 |
| Document Number | 310160106 |
|---|---|
| Date | Jun 7, 2017 |
| Book Page | 031016/000106 |
| Name | APEX HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | ROCKVILLE, MD 20852 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 6, 2047 |
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 | $413,500 (+13.51%) Land $215,000 Building $198,500 | $413,500 (+13.51%) Land $215,000 Building $198,500 | |
| 2025 | $4,672.00 (+17.45%) | ||
| 2023 | $3,978.00 | $364,300 Land $215,000 Building $149,300 | $364,300 Land $215,000 Building $149,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 49 policies |
| Nearby Flood Policies | 49 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Aug 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 145 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 |
| AT&T Fixed Wireless | 100 / 20 |
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