Caroline County property record for 102 W 4th St, Ridgely, MD 21660
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,512 sqft · built 2002 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $3,276 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-017952 |
| Primary APN | 07-017952 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,512 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.207 acres) |
| Deck Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 017952 |
|---|---|
| Street Address | 102 W 4TH ST |
| City | RIDGELY |
| State | MD |
| Zip | 21660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 9,000 SF 8A FOURTH STREET RIDGELY |
| Legal Lot Number | 8A |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 7, RIDGELY |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 955201 |
102 W 4th St is owner-occupied and held in a trust since December 2005.
Source: Caroline County records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | PO BOX 180, RIDGELY, MD 21660-0180 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2005 |
| Deed Sale | Dec 2, 2005 |
| Prior Sale | Dec 2, 2005 · Amount on File |
| Deed Document Number | 200551379 |
| Deed Book / Page | 649 / 337 |
| Prior Transfer Date | Nov 17, 2005 |
| Prior Transfer Doc | 0006490333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 102 W 4TH ST, RIDGELY, MD 21660 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | EASTERN SHORE TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0015090181 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 1509/181 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
The 2026 property tax bill for 102 W 4th St was $3,276 with a homeowner's exemption, up 4.1% 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 | $3,276.00 (+4.1%) Homeowner's exemption | $288,033 (+11.53%) | $317,800 (-) Land $56,900 Building $260,900 |
| 2025 | $3,147.00 Homeowner's exemption | $258,267 | $317,800 Land $56,900 Building $260,900 |
| 2023 | $2,874.00 Homeowner's exemption | $208,733 | $228,500 Land $40,900 Building $187,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 W 4th 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 102 W 4th St 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 | 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.
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 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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