102 Central Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 102 Central Ave, Ridgely, MD 21660

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	3 ba · 3,984 sqft · built 2000
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,139 (2025)
Deeds & Mortgages	Jan 2024 Transfer Apr 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-013167`

Property Details

APN / Parcel Number

Primary APN	`07-013167`
Alternative APNs	`7013167` `013167`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,984 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	180 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	600 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	013167
Street Address	102 CENTRAL AVE
City	RIDGELY
State	MD
Zip	21660-2019
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	9000 SQ FT L-12 CENTRAL AVE RIDGELY
Legal Subdivision	RIDGLEY
Legal Lot Number	12
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2023
Census Tract	955201

Owner

102 Central Ave, a commercial property, is owner-occupied and held in a trust since January 2007.

Source: Caroline County records, as of August 18, 2026

Owner of Record	2 Trust Names on File
Mailing Address	102 CENTRAL AVE, RIDGELY, MD 21660-2019
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Intrafamily Transfer, Transfer
Apr 15, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2007
Deed Sale	Jan 31, 2007
Prior Sale	Dec 29, 2004 · Amount on File
Deed Document Number	200770110
Deed Book / Page	741 / 614
Prior Transfer Date	Jan 4, 2007
Prior Transfer Doc	0007410614
Record Updated	Oct 29, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAROLINE MD
Recording Date	Jan 31, 2024
Property Address	102 CENTRAL AVE, RIDGELY, MD 21660-2019
Document Number	0016610207
Book / Page	1661 / 207
Map Reference	LB LHG 57 FO 58
Instrument Date	Jan 26, 2024
Transaction Type	Transfer
Record Updated	Mar 18, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	102 CENTRAL AVE, RIDGELY, MD 21660-2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014850107
Date	Apr 15, 2021
Book Page	1485/107

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 102 Central Ave was $4,139 with a homeowner's exemption.

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		$378,200 (+18.41%)	$437,000 (-) Land $42,600 Building $394,400
2025	$4,139.00 Homeowner's exemption	$319,400	$437,000 Land $42,600 Building $394,400
2023	$3,945.00 Homeowner's exemption	$257,867	$260,600 Land $42,600 Building $218,000

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

Flood

FEMA maps place 102 Central Ave 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

Wildfire risk around 102 Central Ave is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 244 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: T-Mobile.

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