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3941 W Shore Dr, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3941 W Shore Dr, Edgewater, MD 21037

Property Summary

Property TypeExempt (Full or Partial)
Details2.5 ba · 3,994 sqft · built 2022
Lot Size0.441 acres (19,204 sqft)
Owner2 Individual Names on File
Last Sale$1,318,000 (Sep 2024)
Tax Bill$98 (2025)
Deeds & MortgagesFeb 2021 Sale & Construction Loan
Flood ZoneZone AE (high risk)
APN01-695-02064010

Property Details

APN / Parcel Number

Primary APN01-695-02064010
Alternative APNs
  • 169502064010
  • 69502064010

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,994 sqft Gross Area
1st Floor Area1,522 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area19,204 sqft (0.441 acres)
View / LotWaterfront
Garage TypeAttached
Garage Area616 sqft
Parking Spaces2 Parking Spaces
Pool TypeSpa / Hot Tub (No Pool)
PorchOpen Porch
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Account Number69502064010
Street Address3941 W SHORE DR
CityEDGEWATER
StateMD
Zip21037-3807
Property CategoryOther
Property TypeOther > Exempt (Full or Partial)
Local Zoning CodeR2
Legal DescriptionLT 40 OR .441 ACRE RIVER CLUB ESTATES
Legal SubdivisionRIVER CLUB ESTATES
Legal Block2
Legal Lot Number40
JurisdictionANNE ARUNDEL MD
Township / Civil Division7
Census Block Group2
Census Block2027
Census Tract701202

Owner

3941 W Shore Dr is owned by two individuals who bought it in September 2024.

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

Owner of Record2 Individual Names on File
Mailing Address3941 W SHORE DR, EDGEWATER, MD 21037-3807
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleSep 11, 2024 · Amount on File
Deed SaleSep 11, 2024 · Amount on File
Prior SaleFeb 8, 2021 · Amount on File
Deed Book / Page40715 / 52
Transfer Doc0000017606
Record UpdatedOct 29, 2026

February 2021: Deed, Construction Loan

Document TypeDeed
JurisdictionANNE ARUNDEL MD
Recording DateFeb 8, 2021
Property Address3941 W SHORE DR, EDGEWATER, MD 21037
Document Number0361040397
Book / Page36104 / 397
Map ReferenceLB 1995 FO 411
Instrument DateDec 21, 2020
Transaction TypeConstruction Loan
Record UpdatedAug 16, 2022
Title CompanyHOME FIRST TITLE GROUP LLC

Transaction

AmountAmount on Record
Tax$4,873.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety

Mortgage

Document Number0036104401
DateFeb 8, 2021
Instrument36104/401
Lender
NameWESBANCO BANK INC
TypeBank
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term359 Months
DueJan 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.87%
Type Change DateJan 1, 2028
Change FrequencyAnnually
Min Rate At Change3%
Max Rate At Change7.87%
Index1-Year CMT
Margin3
Max Rate7.87%

Tax Assessment & Valuation

The 2025 property tax bill for 3941 W Shore Dr was $98.

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyAnne Arundel County
Unified School DistrictAnne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,059,400 Land $406,200 Building $653,200$1,059,400 Land $406,200 Building $653,200
2025$98.00
2023$8,660.00 Homeowner's exemption$833,000 Land $295,600 Building $537,400$833,000 Land $295,600 Building $537,400

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

Flood

FEMA maps place 3941 W Shore Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation5.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 165 policies
Nearby Flood Policies165 in force
Nearby Flood Claims15 (2003–2024)
Claims Outside the SFHA1 of 15
Most Recent ClaimApr 2024 · river or lake flooding
Claims by Event
  • Hurricane Isabel, Sep 2003 · 4 claims

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 3941 W Shore Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 161 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880

May also be available: T-Mobile.

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