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Most Arden on the Severn lots are required to pay deed-mandated annual lot assessments for general maintenance and operations of the Arden Beaches, Inc. properties to include private beaches, park areas, and boat ramps. Although the community of Arden on the Severn is not an HOA, these mandatory lot assessments must be paid annually or subject the property to possible lien. In addition to the deeded annual lot assessment, owners must pay a regulation-required annual access user fee in order to be granted written authorization for access to and use of ABI properties. Optional amenity fees apply. Because we are not an HOA, often times this is an important requirement that can be overlooked by real estate agents and title companies. For specific questions, please use the CONTACT US form.

Arden on the Severn includes a community association with voluntary membership known as the Arden Community Association (ACA). ACA Membership is highly encouraged in this organization to support the community-level business this organization provides. Membership benefits include the ability to rent the community Town Hall building for private parties and events, support the monthly electronic newsletter, "NewsBuoy", and be a part of Arden's amazing volunteer network bringing residents various opportunities to participate in clubs and committees, meet your neighbors, and develop life-long friendships all of which maximize the experience of living in Arden on the Severn. Membership also supports the organization's advocacy for matters related to development, environmental, and infrastructure surrounding Arden as it acts as liaison between the community and local, state, and federal jurisdictions, as well as other local organizations and environmental groups. Participation in Arden's community association is critical to its success and for the betterment of Arden on the Severn.


Arden Beaches, Inc. (ABI) is the owner and maintenance corporation of Arden's private beach and park properties charged with managing the maintenance and operation of said properties. ABI is NOT a Homeowner's Association. Property owners are required to pay the annual deed-mandated lot assessment fee associated with each lot for general maintenance of ABI properties. This maintenance fee is dictated by the original property deeds granted by Sunrise Beach, Inc. to the purchaser (most of which are dated in the 1950s). These are the deeds that created our subdivision, originally known as Sunrise Beach identified by SDAT as subdivision code 748. If the subdivision is identified as "Arden on the Severn", access may be granted by deed amendment per the organization bylaws and standard operating procedures.

The annual deed-mandated lot assessment fee is $22 per lot and $11 per half-lot. The annual Fee Schedule is outlined below to highlight the approved inflation of the regulation-required annual access user fee implemented in 2018. If an owner does not remain current with their deed-mandated annual lot assessments and regulation-required access user fees, they will no longer be permitted to access ABI property. Non-payment of the deed-mandated annual lot assessments may result in property lien. Arrears of the deed-mandated lot assessments remain with the property and are reported for collection during the property sale settlement process. Non-payment of the annual regulation-required access user fee will not result in property lien, but will result in restriction from use of said properties and potential legal action for unauthorized use thereof.

NOTE: The annual access user fee payment is required to request and obtain written authorization for use of all ABI private beach and park properties. The access user fee schedule is described below:

The corporation carries a master insurance plan that covers all of the active board members and seasonal personnel hired to manage beach operations.

If you have further questions on this subject (for instance, if the person is up to date on their ABI annual payments), please CONTACT US.

If you need a C.O.I. (Certificate of Insurance) for the Arden Properties, please contact:

Bay Area Insurance Group

Agent: Linda Anderson

818 E College Parkway

Annapolis MD 21409-5629

410 647 7333 x111


* When contacting Bay Area Insurance Group for a COI, be SURE to reference Arden Beaches Inc in the subject line of your email.