Anne Arundel County property record for 3930 Cove Rd, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,067 sqft · built 1990 |
| Lot Size | 0.156 acres (6,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,390,000 (Jul 2025) |
| Tax Bill | $9,076 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Jan 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-654-05133800 |
| Primary APN | 01-654-05133800 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,067 sqft Living Area |
| 1st Floor Area | 1,189 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,800 sqft (0.156 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Deck Area | 336 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 65405133800 |
|---|---|
| Street Address | 3930 COVE RD |
| City | EDGEWATER |
| State | MD |
| Zip | 21037-4309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 7 BK A SC 1 RAMSEY BAY |
| Legal Subdivision | RAMSEY BAY |
| Legal Block | A |
| Legal Lot Number | 7 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 701201 |
3930 Cove Rd is owned and occupied by two individuals who bought it in July 2025.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3930 COVE RD, EDGEWATER, MD 21037-4309 |
| 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 |
|---|---|
| Sep 9, 2021 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Jan 8, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jul 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage 1ST PREFERENCE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2025 · Amount on File |
| Deed Sale | Jul 15, 2025 · Amount on File |
| Prior Sale | Sep 9, 2021 · Amount on File |
| Deed Book / Page | 41475 / 244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Sep 9, 2021 |
| Property Address | 3930 COVE RD, EDGEWATER, MD 21037-4309 |
| Document Number | 0374950001 |
| Book / Page | 37495 / 1 |
| Map Reference | MB 20 PL 37 |
| Instrument Date | Aug 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2021 |
| Title Company | NOT AVAILABLE, EAGLE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3930 COVE RD, EDGEWATER, MD 21037-4309 |
| Document Number | 374959 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 37495/9 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3930 COVE RD, EDGEWATER, MD 21037-4309 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 3930 COVE RD, EDGEWATER, MD 21037-4309 |
| Document Number | 0359060082 |
|---|---|
| Date | Jan 8, 2021 |
| Book Page | 35906/82 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| 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 | 3930 COVE RD, EDGEWATER, MD 21037-4309 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0349220245 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 34922/245 |
| Name | 1ST PREFERENCE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 3930 Cove Rd was $9,076.
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 | $889,600 Land $468,300 Building $421,300 | $889,600 Land $468,300 Building $421,300 | |
| 2025 | $9,076.00 | ||
| 2023 | $6,298.00 | $576,800 Land $342,600 Building $234,200 | $576,800 Land $342,600 Building $234,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3930 Cove Rd 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 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.
Wildfire risk around 3930 Cove Rd 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 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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