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Single Family ResidenceResidential
$1,772,759$635 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026

3486 S RIVER TER

EDGEWATER, MD 21037
3 / 1
Baths
2,793 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.43 ac
Lot SizeThe size of the land the home sits on, from county records.
1944
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.8M
$1.6M low$2M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$1,035,259
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$828,207
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.42%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$487,500
M & T BANK · recorded Jul 13, 2015
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$250,000
MANUFACTURERS & TRADERS TRUST CO

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,752 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,012,533 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$948,367
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,076,700

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.24
96
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
9
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.148 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.62%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyAnne Arundel
Lot (acres)The size of the land the home sits on, from county records.0.43
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
ViewThe type of view from the property, or another feature of the site that affects value.Water
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 192 ft²Porch · 240 ft²Boat access

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Central Middle SchoolA-
Middle · Grades 6–8 · 1.9 mi
H
South River High SchoolA-
High · Grades 9–12 · 2.1 mi
E
Central Elementary SchoolB+
Elementary · Grades KG–5 · 2.3 mi

District: Anne Arundel County Public Schools

Neighborhood · ZIP 21037These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.96
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.23,285
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,054 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$131,132
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$152,261
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3486 S River Ter measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 98% of homes in Anne Arundel County
  • Costs more per square foot than 97% of homes in Anne Arundel County
  • Bigger than 87% of homes in Anne Arundel County
  • Has a bigger lot than 77% of homes in Anne Arundel County
  • Older than 93% of homes in Anne Arundel County

What homes are worth in Edgewater 21037

Each bar is how many homes fall in that price range. The marker is this home.

This home
$308K$2M

This home is worth more than 97% of homes in Edgewater 21037.

How it measures up in Edgewater 21037

The dot is this home. The mark in the middle is the typical home in Edgewater 21037.

Estimated value$1,772,759
CheaperTypical $577,425Pricier

Pricier than 97% of homes nearby

Price per ft²$635
CheaperTypical $339Pricier

Pricier than 96% of homes nearby

Living area2,793 ft²
SmallerTypical 1,860 ft²Bigger

Bigger than 81% of homes nearby

Lot size0.43 ac
SmallerTypical 0.23 acBigger

Bigger than 73% of homes nearby

Year built1944
OlderTypical 1979Newer

Newer than 12% of homes nearby

How 3486 S River Ter ranks against every home in each area.
MeasureThis homeEdgewater 21037Anne Arundel County
Estimated valuepricier than$1,772,75997% of homes98% of homes
Price per ft²pricier than$63596% of homes97% of homes
Living areabigger than2,793 ft²81% of homes87% of homes
Lot sizebigger than0.43 ac73% of homes77% of homes
Year builtnewer than194412% of homes7% of homes

About 3486 S River Ter

How much is 3486 S River Ter, Edgewater, MD worth?

The TopHap Estimate for 3486 S River Ter, Edgewater, MD is $1,772,759 as of Jun 23, 2026. The likely range is $1,595,483 to $1,950,034. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3486 S River Ter, Edgewater, MD last sell?

3486 S River Ter, Edgewater, MD last sold on Jun 2, 2014, according to the county's recorded deed.

How big is 3486 S River Ter, Edgewater, MD?

3486 S River Ter, Edgewater, MD has 3 bathrooms, 2,793 square feet of living space and a 0.43-acre lot.

When was 3486 S River Ter, Edgewater, MD built?

3486 S River Ter, Edgewater, MD was built in 1944, making it 82 years old. It is a conventional home. The building has 1 story.

What schools serve 3486 S River Ter, Edgewater, MD?

3486 S River Ter, Edgewater, MD is assigned to Central Middle School (middle), rated A-; South River High School (high), rated A-; Central Elementary School (elementary), rated B+. All sit in Anne Arundel County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3486 S River Ter, Edgewater, MD compare to other homes in Edgewater 21037?

Among the 8,702 homes in Edgewater 21037, it is worth more than 97% of them ($1,772,759 against a typical $577,425), its price per square foot is higher than 96% of them ($635 against a typical $339), it is bigger than 81% of them (2,793 ft² against a typical 1,860 ft²), its lot is bigger than 73% of them (0.43 ac against a typical 0.23 ac) and it is newer than 12% of them (1944 against a typical 1979). Measured against all of Anne Arundel County, it is worth more than 98% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3486 S River Ter, Edgewater, MD?

The 2025 property tax bill for 3486 S River Ter, Edgewater, MD was $8,752. The county assessed it at $1,012,533.

Closest homes

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Assigned schools

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