102 N Central Ave, Ridgely, MD 21660 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,508 sqft · built 2004
Lot Size	0.427 acres (18,593 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jun 2022)
Tax Bill	$4,409 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-018568`

Property Details

APN / Parcel Number

Primary APN	`07-018568`
Alternative APN	`018568`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,508 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,593 sqft (0.427 acres)
Garage Type	Mixed
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	018568
Street Address	102 N CENTRAL AVE
City	RIDGELY
State	MD
Zip	21660-1376
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	18,593 SF LOT-4 NE/S BRIDGETOWN RD 312 LISTER ESTATES
Legal Subdivision	LISTER ESTATES
Legal Lot Number	4
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2003
Census Tract	955201

Owner

102 N Central Ave is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	102 N CENTRAL AVE, RIDGELY, MD 21660-1376
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Mar 19, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2022 · Amount on File
Deed Sale	Jun 29, 2022 · Amount on File
Prior Sale	Aug 30, 2004 · Amount on File
Deed Book / Page	1582 / 102
Prior Transfer Date	Jan 18, 2019
Prior Transfer Doc	0013490018
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 29, 2022
Property Address	102 N CENTRAL AVE, RIDGELY, MD 21660-1376
Document Number	0015820102
Book / Page	1582 / 102
Map Reference	MB PC 9 PL 6
Instrument Date	Jun 24, 2022
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	102 N CENTRAL AVE, RIDGELY, MD 21660-1376

Mortgage

Document Number	0001582111
Date	Jun 29, 2022
Instrument	1582-111

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAROLINE MD
Recording Date	Mar 19, 2019
Property Address	102 N CENTRAL AVE, RIDGELY, MD 21660-1376
Document Number	0013490018
Book / Page	001349 / 000018
Instrument Date	Jan 18, 2019
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	203 LADYBUG WAY EDGEWATER MD 210372784, EDGEWATER, MD 21037-2784

Tax Assessment & Valuation

The 2026 property tax bill for 102 N Central Ave was $4,409, up 1.8% from the year before.

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	$4,409.00 (+1.82%)	$296,367 (+3.18%)	$305,500 (-) Land $50,800 Building $254,700
2025	$4,330.00	$287,233	$305,500 Land $50,800 Building $254,700
2023	$4,120.00	$269,267	$278,100 Land $50,800 Building $227,300

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

Flood

FEMA maps place 102 N 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 N Central Ave 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.

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 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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