103 Central Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 103 Central Ave, Ridgely, MD 21660

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,229 sqft · built 1937
Lot Size	0.073 acres (3,196 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Apr 2019)
Tax Bill	$1,291 (2025)
Deeds & Mortgages	Jun 2021 Sale Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-006624`

Property Details

APN / Parcel Number

Primary APN	`07-006624`
Alternative APNs	`7006624` `006624`

Interior

Units	2 Units
Stories	1 Story
Building Area	2,229 sqft Total Area
1st Floor Area	2,229 sqft
Basement Area	432 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	3,196 sqft (0.073 acres)
Porch	Slab

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Connected

Location & Zoning

Account Number	006624
Street Address	103 CENTRAL AVE
City	RIDGELY
State	MD
Zip	21660-2005
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C2
Legal Description	3,196 SF PT6 SW/S CENTRAL AVE RIDGELY
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2022
Census Tract	955201

Owner

103 Central Ave, a commercial property, is owned by an individual who bought it in April 2019.

Source: Caroline County records, as of September 17, 2026

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

Owner of Record	Individual Name on File
Mailing Address	111 WYE RIVER DR, QUEENSTOWN, MD 21658-1191
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed, Transfer NOT AVAILABLE, BRILLIANT TITLE
Apr 18, 2019	Grant Deed, Transfer QUEENSTOWN BK/MD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2019 · Amount on File
Deed Sale	Apr 18, 2019 · Amount on File
Prior Sale	Jul 29, 1993 · Amount on File
Deed Book / Page	1353 / 349
Record Updated	Oct 29, 2026

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 30, 2021
Property Address	103 CENTRAL AVE, RIDGELY, MD 21660-2005
Document Number	0015050476
Book / Page	1505 / 476
Map Reference	LB 57 FO 57
Instrument Date	May 21, 2021
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	NOT AVAILABLE, BRILLIANT TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	111 WYE RIVER DR, QUEENSTOWN, MD 21658-1191

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Apr 18, 2019
Property Address	103 CENTRAL AVE, RIDGELY, MD 21660-2005
Document Number	0013530349
Book / Page	001353 / 000349
Instrument Date	Apr 18, 2019
Transaction Type	Transfer
Record Updated	May 2, 2019
Title Company	BRILLIANT TITLE CORPORATION, BRILLIANT TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	119 PLEASANT SPRINGS DR CENTREVILLE MD 216172378, CENTREVILLE, MD 21617-2378

Mortgage

Document Number	13530354
Date	Apr 18, 2019
Book Page	001353/000354

Lender

Name	QUEENSTOWN BK/MD
Type	Bank
Address	QUEENSTOWN, MD 21658

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 103 Central Ave was $1,291.

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		$88,533	$91,400 Land $30,000 Building $61,400
2025	$1,291.00
2023	$1,267.00	$82,800 Land $30,000 Building $52,800	$82,800 Land $30,000 Building $52,800

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

Flood

FEMA maps place 103 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 103 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	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 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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