3946 Cove Rd, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 3946 Cove Rd, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,760 sqft · built 1999
Lot Size	0.34 acres (14,800 sqft)
Owner	2 Individual Names on File
Last Sale	$738,500 (Nov 2020)
Tax Bill	$8,332 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-654-03702470`

Property Details

APN / Parcel Number

Primary APN	`01-654-03702470`
Alternative APNs	`165403702470` `65403702470`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,760 sqft Living Area
Gross Area	3,140 sqft
1st Floor Area	1,560 sqft
Utility Area	190 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,800 sqft (0.34 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	140 sqft
Deck Area	356 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	65403702470
Street Address	3946 COVE RD
City	EDGEWATER
State	MD
Zip	21037-4309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LTS A B BK A SC 1 RAMSEY BAY
Legal Subdivision	RAMSEY BAY
Legal Block	A
Legal Lot Number	A
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1035
Census Tract	701201

Owner

3946 Cove Rd is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3946 COVE RD, EDGEWATER, MD 21037-4309
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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	Nov 6, 2020 · Amount on File
Deed Sale	Nov 6, 2020 · Amount on File
Prior Sale	Nov 1, 1999 · Amount on File
Deed Book / Page	35558 / 85
Record Updated	Oct 29, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 6, 2020
Property Address	3946 COVE RD, EDGEWATER, MD 21037-4309
Document Number	0355580085
Book / Page	35558 / 85
Map Reference	MB 20 FO 37
Instrument Date	Sep 11, 2020
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	HOME FIRST TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,077.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3946 COVE RD, EDGEWATER, MD 21037-4309

Mortgage

Document Number	0003555890
Date	Nov 6, 2020
Instrument	35558/90

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3946 Cove Rd was $8,332 with a homeowner's exemption.

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		$940,200 Land $523,800 Building $416,400	$940,200 Land $523,800 Building $416,400
2025	$8,332.00
2023	$7,398.00 Homeowner's exemption	$693,800 Land $380,400 Building $313,400	$693,800 Land $380,400 Building $313,400

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

Flood

FEMA maps place 3946 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 3946 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