3528 S River Terrace Edgewater, MD 21037
Selby-on-the-Bay Neighborhood
3
Beds
2.5
Baths
2,115
Sq Ft
0.29
Acres
Highlights
- 50 Feet of Waterfront
- Primary bedroom faces the bay
- Public Beach
- Central Middle School Rated A-
- 2 Dock Slips
- Fishing Allowed
About This Home
As of April 2025Don't miss this rare opportunity to own a charming waterfront retreat in the sought-after Loch Haven community! Boasting breathtaking views of the South River, this home is a true gem, complete with a brand-new pier featuring a 12,000 lb. remote-controlled boat lift. Enjoy full riparian rights, a unique benefit grandfathered in from the property's original sale in the 1950s. From the moment you step inside, you'll be captivated by expansive water views. The spacious family room is a showstopper, featuring wide-plank flooring, vaulted beamed ceilings, and a cozy fireplace, all framed by walls of glass that bring the outside in.The kitchen includes a new stove and refrigerator, along with ample cabinet space and granite countertops. Just off the kitchen, the patio offers the perfect space for outdoor entertaining while soaking in the serene waterfront setting. The adjacent dining room is equally impressive with vaulted ceilings, wood beams, abundant natural light from the windows that surround the space, and hardwood floors. The main-level primary suite is a peaceful retreat with a luxurious newly renovated bathroom, a walk-in closet, and a large window designed to maximize the view. Two additional bedrooms and another full bath complete this level.The fully finished walk-out lower level has been professionally waterproofed and offers a spacious recreation room, plus a utility room with workshop space.The exterior of the home is in the process of being updated with brand-new siding—photos of the planned enhancements are included in the listing photos. Located in the amenity-rich Loch Haven community, residents enjoy access to a private marina, boat ramp, sandy beach, tennis, pickleball, and basketball courts, as well as the scenic Farm Park. Conveniently located near Annapolis, Baltimore, and Washington D.C., this home is perfect for year-round living or an exceptional weekend escape. Schedule your private showing today and make this waterfront dream home yours!
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $8,682
Year Built
- Built in 1959
Lot Details
- 0.29 Acre Lot
- 50 Feet of Waterfront
- Home fronts navigable water
- Public Beach
- Property is in very good condition
- Property is zoned R5
Home Design
- Coastal Architecture
- Block Foundation
- Frame Construction
Interior Spaces
- Property has 2 Levels
- Open Floorplan
- Beamed Ceilings
- Ceiling Fan
- Recessed Lighting
- Brick Fireplace
- Family Room Off Kitchen
- Formal Dining Room
- Recreation Room
- Utility Room
Kitchen
- Gourmet Kitchen
- Breakfast Area or Nook
- Electric Oven or Range
- Built-In Microwave
- Dishwasher
- Stainless Steel Appliances
- Upgraded Countertops
Bedrooms and Bathrooms
- 3 Main Level Bedrooms
- Primary bedroom faces the bay
- En-Suite Primary Bedroom
- En-Suite Bathroom
- Walk-In Closet
- Walk-in Shower
Laundry
- Laundry on lower level
- Dryer
- Washer
Partially Finished Basement
- Heated Basement
- Connecting Stairway
- Interior and Side Basement Entry
- Water Proofing System
- Sump Pump
- Space For Rooms
- Workshop
- Basement Windows
Parking
- 2 Parking Spaces
- 2 Driveway Spaces
Outdoor Features
- Canoe or Kayak Water Access
- Private Water Access
- River Nearby
- Personal Watercraft
- Swimming Allowed
- Electric Hoist or Boat Lift
- 2 Dock Slips
- Physical Dock Slip Conveys
- Dock made with Treated Lumber
- 1 Powered Boats Permitted
- 2 Non-Powered Boats Permitted
- Patio
- Shed
Location
- Property is near a creek
Schools
- Central Elementary And Middle School
- South River High School
Utilities
- Central Air
- Heat Pump System
- Vented Exhaust Fan
- Water Treatment System
- Well
- Electric Water Heater
- Water Conditioner is Owned
Listing and Financial Details
- Tax Lot 14R
- Assessor Parcel Number 020148002356200
Community Details
Overview
- No Home Owners Association
- Loch Haven Subdivision
Recreation
- 1 Community Docks
- Fishing Allowed
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Mar 11, 2025
Closed on
Apr 22, 2025
Sold by
Johansson Leif Gunnar Roger
Bought by
Montgomery John M and Montgomery Ann G
Seller's Agent
Colleen Smith
EXP Realty, LLC
Buyer's Agent
Jennifer Gregorski
Washington Fine Properties
List Price
$1,500,000
Sold Price
$1,450,000
Premium/Discount to List
-$50,000
-3.33%
Views
52
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$207,611
Avg. Annual Appreciation
-36.52%
Original Mortgage
$1,160,000
Outstanding Balance
$1,156,940
Interest Rate
6.67%
Mortgage Type
New Conventional
Estimated Equity
$85,449
Purchase Details
Listed on
Jan 31, 2019
Closed on
Aug 5, 2019
Sold by
Kruthaupt Alex J and Kruthaupt Anne
Bought by
Johansson Leif Gunnar Roger
Seller's Agent
Charlie Buckley
Long & Foster Real Estate, Inc.
Buyer's Agent
Colleen Smith
EXP Realty, LLC
List Price
$899,000
Sold Price
$755,000
Premium/Discount to List
-$144,000
-16.02%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
12.09%
Original Mortgage
$405,000
Interest Rate
3.73%
Mortgage Type
New Conventional
Purchase Details
Closed on
Mar 21, 2011
Sold by
Kamel A Perry
Bought by
Kruthaupt Alex J and Kruthaupt Anne
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$568,209
Interest Rate
5.07%
Mortgage Type
VA
Purchase Details
Closed on
Mar 14, 2011
Sold by
Kamel A Perry
Bought by
Kruthaupt Alex J and Kruthaupt Anne
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$568,209
Interest Rate
5.07%
Mortgage Type
VA
Purchase Details
Closed on
Nov 9, 2004
Sold by
Edwards Richard I
Bought by
Kamel A Perry A and Kamel Lindsay T
Similar Homes in Edgewater, MD
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $1,450,000 | District Title | |
| Deed | $755,000 | Freestate Ttl Svcs Of Annapo | |
| Deed | $575,000 | -- | |
| Deed | $575,000 | -- | |
| Deed | $575,000 | -- | |
| Deed | $575,000 | -- | |
| Deed | $950,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $1,160,000 | New Conventional | |
| Previous Owner | $398,900 | New Conventional | |
| Previous Owner | $405,000 | New Conventional | |
| Previous Owner | $572,719 | VA | |
| Previous Owner | $571,845 | VA | |
| Previous Owner | $568,209 | VA | |
| Previous Owner | $568,209 | VA | |
| Previous Owner | $800,000 | Unknown | |
| Closed | -- | No Value Available |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 04/22/2025 04/22/25 | Sold | $1,450,000 | -3.3% | $686 / Sq Ft |
| 03/11/2025 03/11/25 | For Sale | $1,500,000 | +98.7% | $709 / Sq Ft |
| 08/05/2019 08/05/19 | Sold | $755,000 | -5.5% | $498 / Sq Ft |
| 06/14/2019 06/14/19 | Pending | -- | -- | -- |
| 05/28/2019 05/28/19 | Price Changed | $799,000 | -5.9% | $527 / Sq Ft |
| 03/15/2019 03/15/19 | Price Changed | $849,000 | -2.9% | $560 / Sq Ft |
| 03/04/2019 03/04/19 | Price Changed | $874,000 | -2.8% | $577 / Sq Ft |
| 01/31/2019 01/31/19 | For Sale | $899,000 | -- | $593 / Sq Ft |
Source: Bright MLS
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $8,910 | $797,100 | -- | -- |
| 2024 | $8,910 | $758,200 | $0 | $0 |
| 2023 | $8,423 | $719,300 | $538,700 | $180,600 |
| 2022 | $8,042 | $719,300 | $538,700 | $180,600 |
| 2021 | $16,084 | $719,300 | $538,700 | $180,600 |
| 2020 | $8,054 | $723,900 | $558,700 | $165,200 |
| 2019 | $7,318 | $693,567 | $0 | $0 |
| 2018 | $6,725 | $663,233 | $0 | $0 |
| 2017 | $6,462 | $632,900 | $0 | $0 |
| 2016 | -- | $610,833 | $0 | $0 |
| 2015 | -- | $588,767 | $0 | $0 |
| 2014 | -- | $566,700 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Colleen Smith
Seller's Agent in 2025
Colleen Smith
EXP Realty, LLC
(443) 995-2409
69 in this area
234 Total Sales
-
Jennifer Gregorski
Buyer's Agent in 2025
Jennifer Gregorski
Washington Fine Properties
(240) 888-0903
3 in this area
136 Total Sales
-
C
Seller's Agent in 2019
Charlie Buckley
Long & Foster
Map
Source: Bright MLS
MLS Number: MDAA2108438
APN: 01-480-02356200
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