102 Walnut St, Ridgely, MD 21660 Property Records

Caroline County property record for 102 Walnut St, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,396 sqft · built 2003
Lot Size	0.351 acres (15,272 sqft)
Owner	2 Individual Names on File
Last Sale	$164,500 (Oct 2016)
Tax Bill	$3,450 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-018126`

Property Details

APN / Parcel Number

Primary APN	`07-018126`
Alternative APN	`018126`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,396 sqft Total Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,272 sqft (0.351 acres)
Porch	Slab
Porch Area	112 sqft
Deck Area	418 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	018126
Street Address	102 WALNUT ST
City	RIDGELY
State	MD
Zip	21660-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT-2 15,272 SF S/S WALNUT ST E OF RIDGELY
Legal Subdivision	WOOMER DONNA L LAND
Legal Lot Number	2
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2008
Census Tract	955201

Owner

102 Walnut St is owned and occupied by two individuals who bought it in October 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	102 WALNUT ST, RIDGELY, MD 21660-1901
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
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUST BANK
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2016 · Amount on File
Deed Sale	Oct 13, 2016 · Amount on File
Prior Sale	Mar 22, 2006 · Amount on File
Deed Book / Page	1227 / 316
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Recording Date	Jul 29, 2026
Property Address	102 WALNUT ST, RIDGELY, MD 21660-1901
Document Number	1799000454
Book / Page	1799 / 454
Instrument Date	Jul 24, 2026
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	102 WALNUT ST, RIDGELY, MD 21660-1901

Mortgage

Document Number	1799000454,
Date	Jul 29, 2026
Book Page	1799/454

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	102 WALNUT ST, RIDGELY, MD 21660-1901
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	THE ATLANTIC TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014860441
Date	Apr 21, 2021
Book Page	1486/441

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 102 Walnut St was $3,450 with a homeowner's exemption, up 3.9% 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	$3,450.00 (+3.85%) Homeowner's exemption	$252,967	$271,300 Land $63,100 Building $208,200
2025	$3,322.00
2023	$3,052.00 Homeowner's exemption	$207,367	$216,300 Land $47,100 Building $169,200

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

Flood

FEMA maps place 102 Walnut 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

Wildfire risk around 102 Walnut St 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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