Anne Arundel County property record for 3939 Cove Rd, Edgewater, MD 21037
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,225 sqft · built 1958 |
| Lot Size | 0.507 acres (22,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $439,000 (Jun 2024) |
| Tax Bill | $4,756 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-654-03227699 |
| Primary APN | 01-654-03227699 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,225 sqft Living Area |
| 1st Floor Area | 1,225 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Conventional |
| Exterior Material | Siding Sheathing |
| Roof Material | Composition Shingle |
| Lot Area | 22,100 sqft (0.507 acres) |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 646 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Municipal |
| Account Number | 65403227699 |
|---|---|
| Street Address | 3939 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 2 BK C SC II RAMSEY BAY |
| Legal Subdivision | RAMSEY BAY |
| Legal Block | C |
| Legal Lot Number | 2 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 701201 |
3939 Cove Rd is owned and occupied by two individuals who bought it in June 2024.
Source: Anne Arundel County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3939 COVE RD, EDGEWATER, MD 21037-4311 |
| 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 |
|---|---|
| Feb 23, 2026 | Deed of Trust, Mortgage · VA Mortgage BAY CAPITAL MORTGAGE CORP |
| May 28, 2021 | Deed of Trust, Mortgage · VA Mortgage CONTOUR MORTGAGE CORP |
| Dec 4, 2019 | Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jul 10, 2019 | Grant Deed, Transfer NAVIGATOR PRIVATE CAPITAL LLC |
| Jul 24, 2018 | Loan Modification, Mortgage · Conventional Mortgage KOPERNIK BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2024 · Amount on File |
| Deed Sale | Jun 28, 2024 · Amount on File |
| Prior Sale | Dec 4, 2019 · Amount on File |
| Deed Book / Page | 40541 / 449 |
| Prior Transfer Date | Oct 5, 1990 |
| Prior Transfer Doc | 5190000562 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3939 COVE RD, EDGEWATER, MD 21037-4311 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | HOME FIRST TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 3939 COVE RD, EDGEWATER, MD 21037-4311 |
| Document Number | 0421030376 |
|---|---|
| Date | Feb 23, 2026 |
| Book Page | 42103/376 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3939 COVE RD, EDGEWATER, MD 21037-4311 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | AMERICAS TITLE GROUP, AMERICAS TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0368650394 |
|---|---|
| Date | May 28, 2021 |
| Book Page | 36865/394 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GARDEN CITY, NY 11530 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Dec 4, 2019 |
| Property Address | 3939 COVE RD, EDGEWATER, MD 21037-4311 |
| Document Number | 0339100365 |
| Book / Page | 33910 / 365 |
| Map Reference | PL 21 FO 12 |
| Instrument Date | Nov 20, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Title Company | EAGLE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,425.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3939 COVE RD, EDGEWATER, MD 21037-4311 |
| Document Number | 0033910373 |
|---|---|
| Date | Dec 4, 2019 |
| Instrument | 33910/373 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jul 10, 2019 |
| Property Address | 3939 COVE RD, EDGEWATER, MD 21037-4311 |
| Document Number | 0333280344 |
| Book / Page | 033328 / 000344 |
| Instrument Date | Jul 3, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $211.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1817 GLADE CT ANNAPOLIS MD 214031945, ANNAPOLIS, MD 21403-1945 |
| Document Number | 333280348 |
|---|---|
| Date | Jul 10, 2019 |
| Book Page | 033328/000348 |
| Name | NAVIGATOR PRIVATE CAPITAL LLC |
|---|---|
| Address | 1910 TOWNE CENTRE BLVD # 250, ANNAPOLIS, MD 21401-3599 |
| Amount | Amount on Record |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3939 COVE RD, EDGEWATER, MD 21037-4311 |
| Document Number | 0323560059 |
| Instrument Date | Jul 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3939 COVE RD EDGEWATER MD 210374311, EDGEWATER, MD 21037-4311 |
| Document Number | 0323560059 |
|---|---|
| Date | Aug 2, 2018 |
| Book Page | 032356/000059 |
| Name | KOPERNIK BK |
|---|---|
| Type | Bank |
| Address | BALTIMORE, MD 21230 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2038 |
The 2025 property tax bill for 3939 Cove Rd was $4,756.
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 | $402,700 Land $231,500 Building $171,200 | $402,700 Land $231,500 Building $171,200 | |
| 2025 | $4,756.00 | ||
| 2023 | $3,937.00 | $360,600 Land $231,500 Building $129,100 | $360,600 Land $231,500 Building $129,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3939 Cove Rd in Zone X, an area of minimal flood risk, within 500 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 500 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 3939 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