Caroline County property record for 1 Oak St, Ridgely, MD 21660
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,344 sqft · built 1995 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Aug 2007) |
| Tax Bill | $3,043 (2026) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-016816 |
| Primary APN | 07-016816 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,344 sqft Total Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,000 sqft (0.275 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 16 sqft |
| Deck Area | 110 sqft |
| Patio Area | 174 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 016816 |
|---|---|
| Street Address | 1 OAK ST |
| City | RIDGELY |
| State | MD |
| Zip | 21660-2014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 12,000 SQ FT L-6 W/S N. CENTRAL AVENUE RIDGELY |
| Legal Subdivision | RIDGELY |
| Legal Lot Number | 6 |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 7, RIDGELY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 955201 |
1 Oak St is owned and occupied by two individuals who bought it in August 2007.
Source: Caroline County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 OAK ST, RIDGELY, MD 21660-2014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2007 · Amount on File |
| Deed Sale | Aug 6, 2007 · Amount on File |
| Prior Sale | Sep 6, 2002 · Amount on File |
| Deed Document Number | 200770725 |
| Deed Book / Page | 776 / 635 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 1 OAK ST, RIDGELY, MD 21660-2014 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0015870408 |
|---|---|
| Date | Jul 29, 2022 |
| Book Page | 1587/408 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2037 |
The 2026 property tax bill for 1 Oak St was $3,043, up 6.7% from the year before.
Source: Caroline County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Caroline County |
| Municipality | Ridgely Town |
| Unified School District | Caroline County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,043.00 (+6.66%) | $204,533 | $219,800 Land $59,900 Building $159,900 |
| 2025 | $2,853.00 | ||
| 2023 | $2,468.00 | $161,300 | $174,000 Land $43,900 Building $130,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1 Oak St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1 Oak St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF RIDGELY serves 1,600 people · EPA ID MD0050006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Choptank Fiber.
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