10 Oak St, Ridgely, MD 21660 Property Records

Caroline County property record for 10 Oak St, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,248 sqft · built 1988
Lot Size	0.31 acres (13,500 sqft)
Owner	Individual Name on Record
Tax Bill	$3,443 (2026)
Deeds & Mortgages	Dec 2019 Line of Credit Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-014236`

Property Details

APN / Parcel Number

Primary APN	`07-014236`
Alternative APNs	`7014236` `014236`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,248 sqft Total Area
Utility Area	30 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,500 sqft (0.31 acres)
Lot Dimensions	150 ft deep x 90 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	014236
Street Address	10 OAK ST
City	RIDGELY
State	MD
Zip	21660-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 13,500 SF SW/S OAK STREET RIDGELY
Legal Subdivision	COOPER SUB HOFFMAN ESTATE
Legal Lot Number	1
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2005
Census Tract	955201

Owner

Source: Caroline County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10 OAK ST, RIDGELY, MD 21660-2013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Dec 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2007
Deed Sale	Jun 6, 2007
Prior Sale	Oct 26, 1992 · Amount on Record
Deed Document Number	200770512
Deed Book / Page	765 / 491
Prior Transfer Date	May 18, 2007
Prior Transfer Doc	0007650491
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	10 OAK ST, RIDGELY, MD 21660-2013
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013930482
Date	Dec 31, 2019
Book Page	1393/482

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	10 OAK ST, RIDGELY, MD 21660-2013
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013930461
Date	Dec 31, 2019
Book Page	1393/461

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2040

Tax Assessment & Valuation

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Caroline County
Municipality	Ridgely Town
Unified School District	Caroline County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,443.00 (+9.79%)	$231,467 (+11.26%)	$254,900 (-) Land $61,300 Building $193,600
2025	$3,136.00 (+33.96%)	$208,033 (+23.1%)	$254,900 (+38.08%) Land $61,300 Building $193,600
2023	$2,341.00 Homeowner's exemption	$169,000	$184,600 Land $45,300 Building $139,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 100 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, T-Mobile.

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