3938 Cove Rd, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3938 Cove Rd, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,550 sqft · built 1950
Lot Size	0.285 acres (12,400 sqft)
Owner	2 Individual Names on File
Last Sale	$660,000 (Dec 2020)
Tax Bill	$9,547 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-654-06687250`

Property Details

APN / Parcel Number

Primary APN	`01-654-06687250`
Alternative APNs	`1-654-06687250` `65406687250`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,550 sqft Living Area
Gross Area	2,286 sqft
1st Floor Area	1,550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,400 sqft (0.285 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	304 sqft
Deck Area	32 sqft
Shed	1 Shed
Shed Area	120 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	65406687250
Street Address	3938 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 3 HLF LT 2 BK A RAMSEY BAY
Legal Subdivision	RAMSEY BAY
Legal Block	A
Legal Lot Number	2
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1035
Census Tract	701201

Owner

3938 Cove Rd is owned and occupied by two individuals who bought it in December 2020.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3938 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2020 · Amount on File
Deed Sale	Dec 1, 2020 · Amount on File
Prior Sale	Apr 30, 2015 · Amount on File
Deed Book / Page	35697 / 432
Prior Transfer Date	Jun 24, 2009
Prior Transfer Doc	0212620237
Record Updated	Oct 29, 2026

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Dec 1, 2020
Property Address	3938 COVE RD, EDGEWATER, MD 21037-4309
Document Number	0356970432
Book / Page	35697 / 432
Map Reference	MB 20 PL 37
Instrument Date	Oct 29, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	LIBERTY TITLE AND ESCROW CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	53 FATHOM LN, 53, MURRELLS INLET, SC 29576-5693

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3938 COVE RD, EDGEWATER, MD 21037-4309

Mortgage

Document Number	35697440
Date	Dec 1, 2020
Instrument	35697/440

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3938 Cove Rd was $9,547, up 9.6% from the year before.

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		$907,600 (+9.54%) Land $505,600 Building $402,000	$907,600 (-) Land $505,600 Building $402,000
2025	$9,547.00 (+9.62%)	$828,567	$907,600 Land $505,600 Building $402,000
2024	$8,709.00 (+18.96%)
2023	$7,321.00	$670,500 Land $368,300 Building $302,200	$670,500 Land $368,300 Building $302,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3938 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

Wildfire risk around 3938 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.

Internet Providers

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