3440 S River Ter, Edgewater, MD 21037
Property image
Property image
UNDER CONTRACT

$1,000,000

  • 3 Beds
  • 3 Baths
  • 2,160 sqft

3440 S River Ter, Edgewater, MD 21037

Est. Mortgage $6,105/mo*
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Home Highlights

Single-Family Home
Built in 1958
$463/sqft
2 Car Garage

Local Information

  • Map ViewExplore the area around 3440 S River Ter.
  • Schools1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

Come see this home and begin dreaming to make it your own custom waterfront retreat. Welcome to the sought-after waterfront community of Loch Haven Beach! Nestled along the South River, 3440 South River Terrace offers expansive water views and an exceptional opportunity to enjoy a waterfront lifestyle. Visit the Loch Haven community website to learn more about this historic waterfront neighborhood and its many amenities. The Loch Haven Civic Association owns the waterfront property extending from the lot to the water's edge. The pier is part of the Pier 11 Club and is not privately owned by the seller. A significant benefit to the new owner is that no voluntary buy-in is required for Pier 11 membership, as the annual $105 pier assessment is included in the property's tax bill. The pier is maintained by the Pier 11 Club. Enjoy an active waterfront community with neighborhood traditions including the annual Fourth of July parade, food truck events, and the beloved Lochtober Fest each fall.
Last check for updates: about 13 hours ago
Listing courtesy of Sue Clements, (410) 353-3335
Coldwell Banker Realty, (410) 224-2200
Source: Bright MLS, MLS#MDAA2149392
Also Listed on Bright MLS.

Home Details for 3440 S River Ter

Interior Features

Beds & Baths
Number of Bedrooms: 3Number of Bathrooms: 3Number of Bathrooms (full): 3Number of Bathrooms (main level): 1
Dimensions and Layout
Living Area: 2160 Square Feet
Appliances & Utilities
Utilities: Cable AvailableAppliances: Water Heater
Heating & Cooling
Heating: Hot Water,OilHas CoolingAir Conditioning: Ceiling Fan(s),Central Air,ElectricHas HeatingHeating Fuel: Hot Water
Fireplace & Spa
Number of Fireplaces: 2Spa: Hot TubHas a FireplaceHas a Spa
Levels, Entrance, & Accessibility
Stories: 2Levels: TwoAccessibility: None
View
Has a ViewView: Water

Exterior Features

Exterior Home Features
Roof: FiberglassPatio / Porch: DeckOther Structures: Above GradeFoundation: Crawl SpaceNo Private Pool
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2No CarportHas a GarageHas an Attached GarageParking Spaces: 2Parking: Storage,Attached
Pool
Pool: None
Frontage
WaterfrontWaterfront: RiverResponsible for Road Maintenance: City/CountyOn Waterfront
Water & Sewer
Sewer: Public SewerWater Body: South River
Farm & Range
Frontage Length: Water Frontage Ft: 75
Finished Area
Finished Area (above surface): 2160 Square Feet

Days on Market

Days on Market: 82

Property Information

Year Built
Year Built: 1958
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceStructure Type: DetachedArchitecture: Contemporary
Building
Construction Materials: Wood SidingNot a New Construction
Property Information
Condition: Very GoodNot Included in Sale: Clothes Washer, Clothes Dryer, RefrigeratorParcel Number: 020148006673012

Price & Status

Price
List Price: $1,000,000Price Per Sqft: $463
Status Change & Dates
Possession Timing: Coin w/Sell Sett

Active Status

MLS Status: ACTIVE UNDER CONTRACT

Location

Direction & Address
City: EDGEWATERCommunity: Loch Haven Beach
School Information
Elementary School: CentralElementary School District: Anne Arundel County Public SchoolsJr High / Middle School: CentralJr High / Middle School District: Anne Arundel County Public SchoolsHigh School: South RiverHigh School District: Anne Arundel County Public Schools

Agent Information

Listing Agent
Listing ID: MDAA2149392

Building

Building Area
Building Area: 2160 Square Feet

Community

Not Senior Community

HOA

HOA Fee Includes: OtherNo HOA

Lot Information

Lot Area: 8090 sqft

Listing Info

Special Conditions: Standard

Offer

Contingencies: Feasibility StudyListing Agreement Type: Exclusive Right To Sell

Business

Business Information
Ownership: Fee Simple

Miscellaneous

Mls Number: MDAA2149392Zillow Contingency Status: Under ContractWater ViewWater View: WaterAbove Grade Unfinished Area: 2160

Additional Information

Source Internet Consumer Comment: NSource Internet Automated Valuation Display: NSource Internet Entire Listing Display: YSource Internet Address Display: Y

Around this home

What Locals Say about Edgewater

At least 117 Trulia users voted on each feature.

  • 96 % Say it's dog friendly

  • 94 % Say parking is easy

  • 94 % Say car is needed

  • 91 % Say yards are well-kept

  • 86 % Say there's holiday spirit

  • 83 % Say people would walk alone at night

  • 77 % Say kids play outside

  • 76 % Say it's quiet

  • 75 % Say there's wildlife

  • 66 % Say neighbors are friendly

  • 64 % Say they plan to stay for at least 5 years

  • 52 % Say it's walkable to restaurants

  • 48 % Say there are community events

  • 41 % Say streets are well-lit

  • 33 % Say there are sidewalks

  • 31 % Say it's walkable to grocery stores

Sourced by Trulia users. Learn more about our methodology.
  • Laura Cilano
    "Great neighborhood for families of all kinds and ages. People may have different backgrounds but we all look out for each other and each others kids. The access to nature and the mostly quiet nights full of stars are priceless. It is one lane and lane off the peninsula - prepare for the road to be blocked for hours at least a couple times a year due to trees or power lines being down - other than that occasional inconvenience - it’s a lovely place to live. Also - folks really seem to like their fireworks ALL YEAR ROUND!!!!"
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  • Laura Cilano
    "Amazing place to raise a family. Diversity was lacking but that is changing bit by bit. Great restaurants, boutiques, and other unique places opening all the time these days."
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  • Laura Cilano
    "Great schools, very safe, fun, amazing access to nature - living here is a great place to raise a family."
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  • Trulia User
    "I just moved into this neighborhood a year ago. We love the close-knit community and friendly neighbors. "
    2
    Flag
  • Trulia User
    "Nothing to say here because I’m not a dog owner so I don’t know nor care what they say or think. About the dogs or their owners. They seem to walk alone. "
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  • Trulia User
    "great area, neighborhood is friendly, lots of kids, safe, great supportive community, beach town. close to main area and shopping needs for anything. schools nearby and easy to get to for kids and parents. close knit home town feel that every family can and should be able to enjoy. community has a Facebook page to keep families and residence up to date on safety, events, anything that might be going on in the neighborhood"
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  • Trulia User
    "Easy access to Annapolis, Baltimore and Washington, DC. Traffic is heavy coming into Edgewater as it has become more popular. "
    3
    Flag
  • Trulia User
    "many people have dogs and walk them, very friendly and respectful about cleaning up after their dogs "
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  • Lindsey K.
    "Breakfast with Santa, meet the Easter Bunny, community clean up days. Very active group on the Next Door app."
    1
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  • Mlluby381
    "People walk their dogs in these neighborhoods. We know all of the dogs that live on our route. Everyone is extremely friendly and watch out for each other’s pets."
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  • Chlo P.
    "It can be traffic heavy at certain times but generally pretty pleasant and quick. I genuinely love living this close to a public area with all the beautiful scenery of the water nearby!"
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  • Mlluby381
    "Great community for families! Good area to commute to DC. Bus routes nearby and New Carrollton Metro easily accessible."
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  • Catherineholly
    "I’ve lived in this neighborhood for over 10 years. Overall folks are friendly, there are lots of younger families moving in which is good. Some of the older families may keep to themselves, but for the most part people get along it seems "
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  • Nellie A.
    "Hit or miss mix of older unkempt homes, flipped houses, and first time home buyers/young families eager to get as close to Annapolis as possible with great schools and a pretty easy DC/Ft Meade commute. Has worked out great for us- we love it here and have made great new “adult” friends!"
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  • oldtimer
    "there is a Christmas Fire truck delivery, a fishing and crabbing contest. and pet contest. there are always Breakfast specials such as boy scouts, local crab feasts etc. "
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  • Mary Z.
    "Edgewater is a lot like Annapolis, without the high prices. Most of our neighborhoods are on the water, we have lots of good restaurant choices and there are a ton of dog people."
    1
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  • Mary Z.
    "4th of July at the beach. Huge fireworks, better than Annapolis. Lots of people participate in Halloween festivities. "
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  • Scott Logan
    "hiking, fishing, chilling with the kids is all apart of Beverly beach. huge park with miles of beach."
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  • Gil
    "Have been here for almost 10 years, great place to raise a family. Most areas not overpriced, and plenty of water oriented communities."
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  • William P
    "South River Landing is a super safe environment for children. There is a recently refurbished tot lot, a community pool, two tennis courts and a basketball goal, all arranged along private roads in a serene park-like setting. It is an oasis of quiet, calm & security. "
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  • Bpiatt
    "We have great beaches where neighbors got her and children play. Everyone has a boat and loves being on the water. "
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  • Erica G. H.
    "People are great, lots of kids and families outside playing, riding bikes, wooded area for hiking and beautiful setting!"
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  • Edgewaterian
    "I commute to AAMC and it is by auto. it takes 25 mins about 6 miles. traffic is bad in am and around 800 to 830. off traffic hours it takes 15 min. "
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  • 30yrEdgewaterian
    "great water access community to have a family grow up. Good schools, plenty to do crabbing fishing, athletics, and small enough to have a clubhouse. Nice beaches and piers. "
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  • Dianne
    "Im retired now so I don’t worry so much about the traffic. But the traffic in this area is very bad!"
    1
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  • Mary Z.
    "We're right off of Mayo Road, close but not too close to Route 2. It's so easy to get to 97 & 50. Just drive to the top of the street, take a right onto Mayo, a right on 2 (aka Solomon's Island Road), cross the South River Bridge and you're there. Close to everything. The best of a nice quiet neighborhood and proximity to Annapolis, Baltimore and DC. ☮️"
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  • Dianne P.
    "I have lived here now for 10+ years! Its a great quite family oriented community! Close to the water makes it a peaceful serenity place!"
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  • Anna R.
    "Several off-leash dog parks minutes away, side streets good for dog walking, tons of local parks that allow leashed pets. Although most main roads do not have sidewalks, so walk neighborhoods with care."
    1
    Flag
  • Anna R.
    "Dog owners walking safely on side streets, large yards, dog park nearby, dog beach nearby, many local veterinarians"
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  • Mary Z.
    "4th of July at Beach 3 is epic! We walk down with chairs and a cooler and hang out all evening with our community. There are great little playgrounds spread throughout the beaches. Also piers and boat slips. A great variety of homes makes for interesting walks. The schools are excellent and Edgewater Elementary is to be completely renovated in 2018-19."
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  • rob s.
    "Great neighborhood with friendly families. The people make this neighborhood great. It’s a perfect place to raise kids!"
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  • James L.
    "I grew up in saunders point, Edgewater area. went to south River highschool. it is a good friendly area."
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  • Ctowen
    "Summer and fall BarBQ, community beach clean up, Christmas holiday party, community beach and great neighbors "
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  • Mary Z.
    "We're just south of the beautiful city of Annapolis. That's the Capital of Maryland. Our community is on the water. There are actually 5 lovely beach areas. This is an up and coming neighborhood of single family homes. It's laid back."
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  • Dianne P.
    "There are a lot of people that walk the dogs regularly in this development. Maybe one of them I walk my dogs twice a day once in the morning with the evening! "
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Market trends in Edgewater

Last updated August 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$580K
$8.5KMoM
Sale-to-List Price
100.0%
Price per sq ft
$308
$10MoM
Available listings
86
11MoM

Home Value

Trulia Estimate
$983K
Since last month
Decreased$2K (-0.2%)
Since last year
Increased$81K (+9%)
Since last sale
Increased$686K (+232.5%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +51% in the last 10 years
MonthEstimated value
2026
September 2026$981K
August 2026$983K
July 2026$983K
June 2026$1.02M
May 2026$967K
April 2026$934K
March 2026$931K
February 2026$899K
January 2026$892K
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
3513 Oak Dr, Edgewater, MD
0.16
Single-Family Home
$510,000
02/27/26
3
2.5
1,646
482 Maple Leaf Dr, Edgewater, MD
0.17
Single-Family Home
$435,000
10/06/25
4
2
1,859
448 Maple Leaf Dr, Edgewater, MD
0.23
Single-Family Home
$739,900
05/29/26
3
2.5
2,576
3476 S River Ter, Edgewater, MD
0.16
Single-Family Home
$1,225,000
06/23/26
3
2.5
2,356
3519 Cedar Dr, Edgewater, MD
0.18
Single-Family Home
$710,000
09/26/25
4
2.5
2,400
468 Riverview Dr, Edgewater, MD
0.13
Single-Family Home
$650,000
12/01/25
4
2
2,240
3516 Loch Haven Dr, Edgewater, MD
0.21
Single-Family Home
$565,000
07/10/26
3
2
1,700
427 Magnolia Dr, Edgewater, MD
0.35
Single-Family Home
$602,000
09/25/25
3
2.5
1,893
3531 S River Ter, Edgewater, MD
0.24
Single-Family Home
$691,000
03/04/26
3
2
1,931

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
3423 S River Ter, Edgewater, MD 21037
0.11
$630,200
3
2
1,150
Off Market
468 Riverview Dr, Edgewater, MD 21037
0.13
$650,000
4
2
2,240
Recently Sold
3505 Loch Haven Dr, Edgewater, MD 21037
0.16
$890,200
6
3
3,452
Off Market
444 Poplar Leaf Dr, Edgewater, MD 21037
0.13
$897,600
4
3
4,154
Off Market
482 Maple Leaf Dr, Edgewater, MD 21037
0.17
$439,500
4
2
1,859
Off Market
3513 Oak Dr, Edgewater, MD 21037
0.16
$510,000
3
2.5
1,646
Recently Sold
436 Poplar Leaf Dr, Edgewater, MD 21037
0.15
$730,100
4
2.5
2,414
Off Market
3516 Oak Dr, Edgewater, MD 21037
0.16
$431,500
3
1
1,088
Off Market
529 Bay View Point Dr, Edgewater, MD 21037
0.22
$713,100
3
2.5
1,884
Off Market
527 Bay View Point Dr, Edgewater, MD 21037
0.22
$1,191,100
4
3.5
3,477
Off Market
476 Maple Leaf Dr, Edgewater, MD 21037
0.20
$869,900
5
3.5
1,950
Off Market
3476 S River Ter, Edgewater, MD 21037
0.16
$1,225,000
3
2.5
2,356
Recently Sold

Price and Tax history

DateEventPrice
Jul 31, 2026
Source: Bright MLS #MDAA2149392
Contingent
$1,000,000
Jul 6, 2026
Source: Bright MLS #MDAA2149392
PendingToActive
$1,000,000
Jun 29, 2026
Source: Bright MLS #MDAA2149392
Contingent
$1,000,000
Jun 26, 2026
Source: Bright MLS #MDAA2149392
Listed For Sale
$1,000,000
Mar 29, 1994
Source: N/A
Sold
$295,000

LGBTQ Local Legal Protections

Sue Clements, Coldwell Banker Realty, (410) 224-2200
Agent Phone: (410) 353-3335
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms, and is provided by BRIGHT through a licensing agreement. Listing information is from various brokers who participate in the Bright MLS IDX program and not all listings may be visible on the site. The property information being provided on or through the website is for the personal, non-commercial use of consumers and such information may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on the website may no longer be available because they are for instance, under contract, sold or are no longer being offered for sale. Property information displayed is deemed reliable but is not guaranteed. Copyright 2026 Bright MLS, Inc. Click here for more information

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Frequently asked questions about 3440 S River Ter

  • What is the estimated monthly payment for 3440 S River Ter?
    Based on a $1,000,000 list price with 20% down at today's rates, the estimated monthly payment for 3440 S River Ter in Edgewater, MD is approximately $6,216 (about $5,433 principal & interest, $708 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • How does the list price for 3440 S River Ter compare to homes in Edgewater?
    3440 S River Ter in Edgewater, MD is listed at $1,000,000, about 72% above the $580K median sale price in Edgewater.
  • What do residents say about Edgewater?
    Residents describe Edgewater, MD as dog-friendly, easy to park in, and well-kept. Most residents say you need a car. See homes for sale in Edgewater, MD.
  • What are the closest schools to 3440 S River Ter?
    The closest schools to 3440 S River Ter in Edgewater, MD are Central Elementary School (rated 10/10), Central Middle School (rated 9/10), South River High School (rated 9/10).
  • Does 3440 S River Ter have air conditioning?
    Yes, 3440 S River Ter in Edgewater, MD has air conditioning.
  • How big is the lot at 3440 S River Ter?
    The lot at 3440 S River Ter in Edgewater, MD is about 0.19 acres (8,090 sq ft).
3440 S River Ter, Edgewater, MD 21037 is a 3 bedroom, 3 bathroom, 2,160 sqft single-family home built in 1958. This property is currently available for sale and was listed by Bright MLS on Jun 26, 2026. The MLS # for this home is MLS# MDAA2149392.