810 Caroline Ln, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 810 Caroline Ln, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,988 sqft · built 2005
Lot Size	0.98 acres (42,688 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,495,000 (Nov 2019)
Tax Bill	$26,315 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit Feb 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-000-03527000`

Property Details

APN / Parcel Number

Primary APN	`01-000-03527000`
Alternative APNs	`1-000-03527000` `00003527000`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,988 sqft Living Area
Gross Area	7,572 sqft
1st Floor Area	2,056 sqft
Basement Area	2,278 sqft
Finished Basement	2,278 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	42,688 sqft (0.98 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,584 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	566 sqft
Deck Area	90 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00003527000
Street Address	810 CAROLINE LN
City	EDGEWATER
State	MD
Zip	21037-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 3 EDGEWATER
Legal Subdivision	EDGEWATER
Legal Block	2
Legal Lot Number	3
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2002
Census Tract	701103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	810 CAROLINE LN, EDGEWATER, MD 21037-2104
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2020	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Feb 28, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jan 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL MORTGAGE & FINANCE INC
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL MORTGAGE & FINANCE INC
Nov 21, 2019	Deed, Transfer · Conventional Mortgage UNIVERSAL MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2019 · Amount on Record
Deed Sale	Nov 21, 2019 · Amount on Record
Prior Sale	Oct 1, 2008
Deed Book / Page	33872 / 251
Prior Transfer Date	Mar 1, 2012
Prior Transfer Doc	0245760042
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	810 CAROLINE LN, EDGEWATER, MD 21037-2104
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CALVERT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 CAROLINE LN, EDGEWATER, MD 21037-2104

Mortgage

Document Number	0357680181
Date	Dec 10, 2020
Book Page	35768/181

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	810 CAROLINE LN, EDGEWATER, MD 21037-2104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0306780428
Date	Feb 28, 2017
Book Page	30678/428
Instrument	30678-428

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	810 CAROLINE LN, EDGEWATER, MD 21037-2104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ULTIMATE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0341190134
Date	Jan 27, 2020
Book Page	34119/134

Lender

Name	UNIVERSAL MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	EDGEWATER, MD 21037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	810 CAROLINE LN, EDGEWATER, MD 21037-2104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALVERT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 CAROLINE LN, EDGEWATER, MD 21037-2104

Mortgage

Document Number	0357680164
Date	Dec 10, 2020
Book Page	35768/164

Lender

Name	UNIVERSAL MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	EDGEWATER, MD 21037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 21, 2019
Property Address	810 CAROLINE LN, EDGEWATER, MD 21037-2104
Document Number	0338720251
Book / Page	33872 / 251
Instrument Date	Nov 5, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ULTIMATE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	810 CAROLINE LN, EDGEWATER, MD 21037-2104

Mortgage

Document Number	33872257
Date	Nov 21, 2019
Instrument	33872/257

Lender

Name	UNIVERSAL MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	8.75%

Tax Assessment & Valuation

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		$2,630,900 (+11.08%) Land $1,470,600 Building $1,160,300	$2,630,900 (-) Land $1,470,600 Building $1,160,300
2025	$26,315.00 (+11.69%)	$2,368,367 (+28.49%)	$2,630,900 (+42.73%) Land $1,470,600 Building $1,160,300
2024	$23,561.00 (+17.06%)
2023	$20,128.00	$1,843,300 Land $970,600 Building $872,700	$1,843,300 Land $970,600 Building $872,700

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

Flood

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 VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Nearby Flood Policies	41 in force
Nearby Flood Claims	5 (2003–2025)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2025 · rainfall accumulation

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

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BROAD CREEK serves 26,033 people · EPA ID MD0020004
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2017–2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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