Anne Arundel County property record for 3932 Cove Rd, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 3,393 sqft · built 1968 |
| Lot Size | 0.177 acres (7,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,000 (Jan 2018) |
| Tax Bill | $9,319 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage May 2019 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-654-08690350 |
| Primary APN | 01-654-08690350 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,393 sqft Living Area |
| 1st Floor Area | 1,212 sqft |
| Basement Area | 969 sqft |
| Finished Basement | 969 sqft |
| Utility Area | 32 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,700 sqft (0.177 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Deck Area | 217 sqft |
| Patio Area | 217 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 65408690350 |
|---|---|
| Street Address | 3932 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 6 BK A SC 1 RAMSEY BAY |
| Legal Subdivision | RAMSEY BAY |
| Legal Block | A |
| Legal Lot Number | 6 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 701201 |
3932 Cove Rd is owned and occupied by two individuals who bought it in January 2018.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3932 COVE RD, EDGEWATER, MD 21037-4309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY FIRST HOME MORTGAGE CO |
| May 14, 2019 | Deed of Trust, Mortgage · Line of Credit THE COLUMBIA BANK |
| Jan 28, 2021 | Deed of Trust, Mortgage · Line of Credit FULTON BANK NA |
| Jun 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY FIRST HOME MORTGAGE CO |
| Jan 17, 2018 | Grant Deed, Transfer · Conventional with PMI FIDELITY FIRST HM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2018 · Amount on File |
| Deed Sale | Jan 17, 2018 · Amount on File |
| Prior Sale | Mar 11, 1994 · Amount on File |
| Deed Document Number | 201831755-478 |
| Prior Transfer Date | Jun 22, 2007 |
| Prior Transfer Doc | 0192470525 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3932 COVE RD, EDGEWATER, MD 21037-4309 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | CROWN TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0336630061 |
|---|---|
| Date | Oct 4, 2019 |
| Book Page | 33663/061 |
| Name | FIDELITY FIRST HOME MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3932 COVE RD, EDGEWATER, MD 21037-4309 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0331330140 |
|---|---|
| Date | May 14, 2019 |
| Book Page | 33133/140 |
| Name | THE COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | ELLICOTT CITY, MD 21042 |
| 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 | 3932 COVE RD, EDGEWATER, MD 21037-4309 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3932 COVE RD, EDGEWATER, MD 21037-4309 |
| Document Number | 0360410454 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 36041/454 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | HANOVER, MD 21076 |
| 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 | 3932 COVE RD, EDGEWATER, MD 21037-4309 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | FIRST QUALITY TITLE, FIRST EQUITY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0368890281 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 36889/281 |
| Name | FIDELITY FIRST HOME MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jan 17, 2018 |
| Property Address | 3932 COVE RD, EDGEWATER, MD 21037-4309 |
| Document Number | 0317550478 |
| Book / Page | 031755 / 000478 |
| Instrument Date | Dec 27, 2017 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2019 |
| Title Company | LEGENDS TITLE GROUP LLC, LEGENDS TITLE GRP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $465.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3532 COWE ROAD 21037 EDGEWATER MD 21037, EDGEWATER, MD 21037 |
| Document Number | 317550482 |
|---|---|
| Date | Jan 17, 2018 |
| Book Page | 031755/000482 |
| Name | FIDELITY FIRST HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 22401 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 16, 2048 |
The 2025 property tax bill for 3932 Cove Rd was $9,319, up 9.5% 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 | $883,800 (+9.43%) Land $474,300 Building $409,500 | $883,800 (-) Land $474,300 Building $409,500 | |
| 2025 | $9,319.00 (+9.48%) | $807,667 | $883,800 Land $474,300 Building $409,500 |
| 2024 | $8,512.00 (+18.95%) | ||
| 2023 | $7,156.00 | $655,400 Land $346,700 Building $308,700 | $655,400 Land $346,700 Building $308,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3932 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 3932 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures