3590 S River Ter
Active Under Contract
Active Under Contract
Description
Experience refined waterfront living in this completely reimagined home located in the coveted Loch Haven community, perfectly positioned on the protected waters of Pocahontas Creek with approximately 4 feet of mean low water and just seconds from the South River. This exceptional property offers the ideal blend of serene privacy, premier boating access, and sophisticated design. The home has been meticulously renovated from top to bottom and showcases an expansive open-concept layout designed to...Experience refined waterfront living in this completely reimagined home located in the coveted Loch Haven community, perfectly positioned on the protected waters of Pocahontas Creek with approximately 4 feet of mean low water and just seconds from the South River. This exceptional property offers the ideal blend of serene privacy, premier boating access, and sophisticated design. The home has been meticulously renovated from top to bottom and showcases an expansive open-concept layout designed to maximize both water views and natural light. In addition to the stunning cosmetic transformation, the home features major recent improvements including a brand-new roof, two new HVAC systems, and a newer water heater, offering true peace of mind. At the heart of the home is a stunning gourmet kitchen featuring a large statement island, Thermador stainless steel appliances, quartz countertops, custom tile backsplash, and a picture window perfectly framing the waterfront scenery. The kitchen flows seamlessly into the family room, highlighted by a linear fireplace with shiplap surround and custom mantel, and continues into the sun-drenched dining area wrapped in walls of windows. The main level also offers a thoughtfully designed mudroom with built-in lockers, a laundry room, a stylish powder room, and a generously sized private office. Throughout the home, you’ll find luxury wide-plank flooring, reinforcing the home’s cohesive, high-end aesthetic. The primary suite is a true waterfront retreat, offering water views, a sitting area, a private fireplace, and a spa-inspired bath with a freestanding soaking tub, oversized walk-in shower, and double vanity. Two additional spacious bedrooms and a beautifully updated full bath complete the second level. The third floor provides incredible flexibility with a fourth bedroom featuring water views, an additional flex space or fifth bedroom/office, and a newly remodeled full bath—ideal for guests or multi-generational living. The lower level offers a recreation room, gym, full bathroom, ample storage, and utility space—perfect for both everyday living and entertaining. Outdoor living is nothing short of spectacular. The dining area opens to a deck with glass railings that flows down to a waterside patio with a dramatic stone fireplace, creating a resort-like setting for entertaining or relaxing by the water. The professionally maintained grounds are supported by the irrigation system, and the private pier features a 10,000 lb boat lift and kayak storage, making this a true boater’s dream. With a flat, usable waterfront lot, protected deep water, and luxurious upgrades throughout, this is a rare opportunity to own a turn-key waterfront home in one of the area’s most desirable communities. The Loch Haven community offers an exceptional waterfront lifestyle with a private sandy beach, community marina with boat ramp, playground (tot lot), basketball and tennis courts, and scenic walking trails. Residents also enjoy a vibrant calendar of family and adult social events, creating a true sense of community and an unbeatable place to live, relax, and connect.
- Listed by Colleen M Smith • EXP Realty, LLCP: (443)-995-2409 cmsrealtymd@gmail.com
Property Details for 3590 South River Terrace
Tax ID Number
020148090212063
OwnershipFee Simple
Condo Coop AssociationNo
HOANo
Structure TypeDetached
StyleCoastal
Levels/Stories4
FurnishedNo
LISTING UPDATED: 02/22/2026 12:33 PM
Property Details for 3590 South River Terrace
| Status | Active Under Contract |
|---|---|
| MLS # | MDAA2134244 |
| Days on Market | 26 |
| Taxes | $13,615 / year |
| HOA Fees | - |
| Condo/Co-op Fees | - |
| Compass Type | Single Family |
| MLS Type | Residential / Fee Simple |
| Year Built | 2002 |
| Lot Size | 0.30 AC / 13,281 SF |
| County | Anne Arundel County |
Location
Listing Courtesy of EXP Realty, LLC
Add your commute
Building Information for 3590 South River Terrace
Stories4Year Built2002Building Size-Lot Size0.30 AC / 13,281 SF
Payment Calculator
$11,370 per month
30 year fixed, 6.15% Interest
Principal and Interest
$10,235
Property Taxes
$1,135
HOA Dues
$0
The Payment Calculator is for illustrative purposes only.
Property Information for 3590 South River Terrace
Location
Location
- In City Limits: No
- School District Name: ANNE ARUNDEL COUNTY PUBLIC SCHOOLS
- School District County ID: 121140671932
- SchoolDistrictSource: Listing Agent
- Elementary School: CENTRAL (ANNE ARUNDEL MD)
- ElementarySchoolSource: Listing Agent
- Middle Or Junior School: CENTRAL (ANNE ARUNDEL MD)
- MiddleSchoolSource: Listing Agent
- High School: SOUTH RIVER (ANNE ARUNDEL MD)
- HighSchoolSource: Listing Agent
- County: ANNE ARUNDEL
Waterfront / Water Access
Waterfront / Water Access
- Water View: Yes
- Water Access: Yes
- Water Access Features: Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC), Private Access, Swimming Allowed
- Water Oriented: Yes
- Navigable Water: Yes
- Water Body Name: Pocahontas Creek
- Water Body Type: Creek
- Water Frontage In Feet: 50.0
- Riparian Rights Y/N: No
- Docks Count: 1
- Dock Type and Features: Hoist/Lift Electric, Material - Treated Lumber, Private
- Dock/Slip Conveys Y/N: true
- Dock/Slip Conveyance: Deeded
- Slips Count: 1
- Boats Power Count: 1
- Boats Nonpower Count: 1
- Mean Low Water Feet: 4.00
- Distance To Body Of Water: 100.00
- Distance To Body Of Water Units: Feet
Association / Community Info
Association / Community Info
- Property Manager Y/N: No
- Other Fees: $95
- Other Fees Frequency: Annually
- Senior Community: No
- Association Recreation Fee Y/N: No
Taxes and Assessment
Taxes and Assessment
- Tax Year: 2025
- Tax Assessed Value: $1,211,067
- Year Assessed: 2025
- County Tax: $13,189
- Improvement Assessed Value: $769,800
- Land Assessed Value: $544,300
- Clean Green Assessed: No
- Land Use Code: R
- Section: 2
- Loss Mitigation Fee: No
- Historic: No
- Zoning: R5
- Tax Lot: 16R
- School Tax: $0
- Automatically Update Tax Values Y/N: Yes
Lease Information
Lease Information
- Pets Allowed: Yes
- Pet Restrictions: No Pet Restrictions
Rooms
Main
- # Bedrooms Count Main Level: 0
- # Bathrooms Count Main Level: 1
- # Bathrooms Full Main Level: 0
- # Bathrooms Half Main Level: 1
All Upper Levels
- # Bedrooms Count All Upper Levels: 5
- # Bathrooms Count All Upper Levels: 3
- # Bathrooms Full All Upper Levels: 3
- # Bathrooms Half All Upper Levels: 0
Upper Level 1
- # Bedrooms Count Upper Level: 3
- # Bathrooms Count Upper Level: 2
- # Bathrooms Full Upper Level: 2
- # Bathrooms Half Upper Level: 0
Upper Level 2
- # Bedrooms Count Upper Level: 2
- # Bathrooms Count Upper Level: 1
- # Bathrooms Full Upper Level: 1
- # Bathrooms Half Upper Level: 0
All Lower Levels
- # Bedrooms All Lower Levels: 0
- # Bathrooms All Lower Levels: 1
- # Bathrooms Full All Lower Levels: 1
- # Bathrooms Half All Lower Levels: 0
Lower Level 1
- # Bedrooms Lower Level: 0
- # Bathrooms Lower Level: 1
- # Bathrooms Full Lower Level: 1
- # Bathrooms Half Lower Level: 0
Rooms
- Room List: Dining Room, Primary Bedroom, Sitting Room, Bedroom 2, Bedroom 3, Bedroom 4, Bedroom 5, Kitchen, Family Room, Exercise Room, Laundry, Mud Room, Office, Recreation Room, Storage Room, Utility Room, Primary Bathroom, Full Bath, Half Bath
- Stories: Lower 1, Main, Upper 1, Upper 2
Rooms Information
Room 1
- Room Type: Sitting Room
- Room Level: Main
- Room Exists: Yes
Room 2
- Room Type: Office
- Room Level: Main
- Room Exists: Yes
Room 3
- Room Type: Kitchen
- Room Level: Main
- Room Exists: Yes
Room 4
- Room Type: Dining Room
- Room Level: Main
- Room Exists: Yes
Room 5
- Room Type: Family Room
- Room Level: Main
- Room Exists: Yes
Room 6
- Room Type: Half Bath
- Room Level: Main
- Room Exists: Yes
Room 7
- Room Type: Laundry
- Room Level: Main
- Room Exists: Yes
Room 8
- Room Type: Mud Room
- Room Level: Main
- Room Exists: Yes
Room 9
- Room Type: Primary Bedroom
- Room Level: Upper 1
- Room Exists: Yes
Room 10
- Room Type: Primary Bathroom
- Room Level: Upper 1
- Room Exists: Yes
Room 11
- Room Type: Bedroom 2
- Room Level: Upper 1
- Room Exists: Yes
Room 12
- Room Type: Bedroom 3
- Room Level: Upper 1
- Room Exists: Yes
Room 13
- Room Type: Full Bath
- Room Level: Upper 1
- Room Exists: Yes
Room 14
- Room Type: Bedroom 4
- Room Level: Upper 2
- Room Exists: Yes
Room 15
- Room Type: Full Bath
- Room Level: Upper 2
- Room Exists: Yes
Room 16
- Room Type: Bedroom 5
- Room Level: Upper 2
- Room Exists: Yes
Room 17
- Room Type: Recreation Room
- Room Level: Lower 1
- Room Exists: Yes
Room 18
- Room Type: Exercise Room
- Room Level: Lower 1
- Room Exists: Yes
Room 19
- Room Type: Utility Room
- Room Level: Lower 1
- Room Exists: Yes
Room 20
- Room Type: Storage Room
- Room Level: Lower 1
- Room Exists: Yes
Room 21
- Room Type: Full Bath
- Room Level: Lower 1
- Room Exists: Yes
Building Info
Building Info
- Builder Name: Whitehall Building & Co
- Year Major Reno Remodel: 2020
- Building Level Count: 4
- Total Finished SQFT: 4,600.00
- Total Finished SQFT Source: Estimated
- Tax Total Finished SQFT: 3,600.00
- Total SQFT: 5,040.00
- Total SQFT Source: Estimated
- Construction Materials: Cement Siding, HardiPlank Type
- Basement Type: Full, Heated, Improved, Interior Access, Outside Entrance, Poured Concrete, Side Entrance, Sump Pump, Walkout Stairs, Windows
- Foundation Details: Concrete Perimeter
- Room and Floor: Bathrooms Half-Main Level-1, Bedrooms-Upper Level 1-1, Bedrooms-Upper Level 1-2, Bedrooms-Upper Level 1-3, Bathrooms Full-Upper Level 1-1, Bathrooms Full-Upper Level 1-2, Bathrooms Full-Lower Level 1-1, Bedrooms-Upper Level 2-1, Bedrooms-Upper Level 2-2, Bathrooms Full-Upper Level 2-1
- # Bathrooms Full: 4
- # Bathrooms Half: 1
- Other Structure: Above Grade, Below Grade
Lot / Land Information
Lot / Land Information
- Lot Size Source: Assessor
- Lot Features: Cleared, Fishing Available, Front Yard, Level, Open, Premium, Rear Yard, Bulkheaded, SideYard(s), Stream/Creek
- Location Type: Creek/Stream
- Parcel ID: 15342473
- Ground Rent Exists: No
Parking
Parking
- Type Of Parking: Attached Garage, Driveway, On Street
- Num of Attached Garage Spaces: 2
- Driveway - # of Spaces: 4
- Total Garage Spaces: 2
- Garage Features: Garage - Front Entry, Additional Storage Area, Built In, Inside Access, Oversized
Interior Features
Interior Features
- Interior Features: Bathroom - Soaking Tub, Bathroom - Stall Shower, Bathroom - Tub Shower, Bathroom - Walk-In Shower, Breakfast Area, Carpet, Ceiling Fan(s), Combination Kitchen/Living, Crown Moldings, Dining Area, Family Room Off Kitchen, Floor Plan - Open, Kitchen - Gourmet, Kitchen - Island, Pantry, Primary Bath(s), Recessed Lighting, Upgraded Countertops, Wainscotting, Walk-in Closet(s), Water Treat System, Window Treatments, Wine Storage
- Fireplace: Yes
- Fireplaces Count: 2
- Fireplace Features: Gas/Propane, Mantel(s)
- Appliances: Built-In Microwave, Dishwasher, Disposal, Dryer, Exhaust Fan, Oven - Self Cleaning, Oven/Range - Gas, Range Hood, Refrigerator, Six Burner Stove, Stainless Steel Appliances, Stove, Washer, Water Conditioner - Owned, Water Heater
- Accessibility Features: None
- Laundry Type: Dryer In Unit, Has Laundry, Hookup, Main Floor, Washer In Unit
Exterior Features
Exterior Features
- Exterior Features: Extensive Hardscape, Exterior Lighting, Lawn Sprinkler, Underground Lawn Sprinkler
- Outdoor Living Structures: Deck(s), Patio(s)
- Pool: No Pool
- Community Docks Count: 1
Utilities
Utilities
- Heating: Yes
- Cooling Type: Ceiling Fan(s), Central A/C
- Cooling Fuel: Electric
- Heating Type: Heat Pump(s)
- Heating Fuel: Electric, Propane - Owned
- Hot Water: Electric
- Water Source: Well
- Sewer Septic: Public Sewer
Confidential Data
Listing Office
- List Agent AOR: Anne Arundel County Association of REALTORS
- List Agent URL: colleensmith@championrealty.com
Property History for 3590 South River Terrace
| Date | Event & Source | Price | Appreciation |
|---|---|---|---|
| Feb 22, 2026 | Active Under Contract BRIGHT #MDAA2134244 | — | |
| Feb 11, 2026 | Listed (Active) BRIGHT #MDAA2134244 | — | |
| Jan 27, 2026 | Temp Off Market BRIGHT #MDAA2134244 | — | |
| Jan 14, 2026 | Listed (Active) BRIGHT #MDAA2134244 | $2,100,000 | — |
| Aug 13, 2001 | Closed (Public Record) Public Record #78361230 | $225,000 | — |
| Date | Event & Source | Price |
|---|---|---|
| 02/22/2026 | Active Under Contract BRIGHT #MDAA2134244 | — |
| 02/11/2026 | Listed (Active) BRIGHT #MDAA2134244 | — |
| 01/27/2026 | Temp Off Market BRIGHT #MDAA2134244 | — |
| 01/14/2026 | Listed (Active) BRIGHT #MDAA2134244 | $2,100,000 |
| 08/13/2001 | Closed (Public Record) Public Record #78361230 | $225,000 |
For completeness, Compass often displays two records for one sale: the MLS record and the public record.
Public Records for 3590 South River Terrace
Taxable ValueLand-Additions-Total-
Tax Record2025$9,952 ($829 / month)
Home Facts
Beds0Baths2.5Total Finished SqFt3,600 SqFtAbove Grade Finished SqFt3,600 SqFtStories3Lot Size13,281 SqFtStyleSingle Family ResidenceYear Built2002ZoningR5CountyANNE ARUNDELAPN01-480-90212063Fireplace TypeHas Fireplace
Schools near 3590 South River Terrace
This home is within Anne Arundel County Public Schools.
Rating | School | Type | Grades | Distance |
|---|---|---|---|---|
| Public - | K to 5 | |||
| Public - | 6 to 8 | |||
| Public - | 9 to 12 | |||
| Public - | PK to 12 |
Rating | School | Distance |
|---|---|---|
Central Elementary School PublicK to 5 | ||
Central Middle School Public6 to 8 | ||
South River High School Public9 to 12 | ||
Central Special School PublicPK to 12 |
School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.
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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.
Listing Courtesy of EXP Realty, LLC
© 2026 Bright MLS. All rights reserved. All information is deemed reliable, but accuracy is not guaranteed. Listing information is from various brokers who participate in IDX and not all listings may be visible on the site. The property information being provided is for the consumer’s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated on 02/22/2026 12:33 PM