102 W 3rd St, Ridgely, MD 21660 Property Records

Caroline County property record for 102 W 3rd St, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,056 sqft · built 2001
Lot Size	0.207 acres (9,016 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Jul 2008)
Tax Bill	$2,712 (2026)
Deeds & Mortgages	Mar 2020 Loan Modification Dec 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`07-018231`

Property Details

APN / Parcel Number

Primary APN	`07-018231`
Alternative APNs	`7018231` `018231`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,056 sqft Total Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,016 sqft (0.207 acres)
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	256 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	018231
Street Address	102 W 3RD ST
City	RIDGELY
State	MD
Zip	21660-2150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 9,016 SF L-12R NE/S PARK AVE RIDGELY
Legal Subdivision	TOWN RIDGELY
Legal Lot Number	12R
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2060
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	102 W 3RD ST, RIDGELY, MD 21660-2150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2020	Loan Modification, Mortgage · Conventional with PMI JP MORGAN CHASE BK
Dec 1, 2018	Loan Modification, Mortgage · Conventional with PMI JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2008 · Amount on Record
Deed Sale	Jul 24, 2008 · Amount on Record
Prior Sale	Aug 27, 2001 · Amount on Record
Deed Document Number	200880659
Deed Book / Page	824 / 562
Record Updated	Oct 29, 2026

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CAROLINE MD
Property Address	102 W 3RD ST, RIDGELY, MD 21660-2150
Document Number	0014040281
Instrument Date	Mar 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 W 3RD ST RIDGELY MD 216602150, RIDGELY, MD 21660-2150

Mortgage

Document Number	0014040281
Date	Mar 9, 2020
Book Page	001404/000281

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

Interest

Rate	3.75%

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CAROLINE MD
Property Address	102 W 3RD ST, RIDGELY, MD 21660-2150
Document Number	0013400126
Instrument Date	Dec 1, 2018
Transaction Type	Mortgage
Record Updated	Jan 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 W 3RD ST RIDGELY MD 216602150, RIDGELY, MD 21660-2150

Mortgage

Document Number	0013400126
Date	Jan 2, 2019
Book Page	001340/000126

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate	4.25%

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	$2,712.00 (+4.07%) Homeowner's exemption	$235,600 (+37.48%)	$259,900 (+38.98%) Land $56,900 Building $203,000
2025	$2,606.00 (+9.5%)
2023	$2,380.00 Homeowner's exemption	$171,367	$187,000 Land $40,900 Building $146,100

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 121 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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