11130 Central Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 11130 Central Ave, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,536 sqft · built 1968
Lot Size	28.3 acres (1,233,184 sqft)
Owner	Individual Name on Record
Last Sale	$487,000 (Jan 2023)
Tax Bill	$3,698 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-007139`

Property Details

APN / Parcel Number

Primary APN	`06-007139`
Alternative APNs	`6007139` `007139`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,536 sqft Total Area
1st Floor Area	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,233,184 sqft (28.3 acres)
Garage Type	Detached
Garage Area	1,536 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	787 sqft
Deck Area	413 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	007139
Street Address	11130 CENTRAL AVE
City	RIDGELY
State	MD
Zip	21660-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	28.31 AC W/S CENTRAL AVE NW OF DENTON
Jurisdiction	CAROLINE MD
Township / Civil Division	6, HILLSBORO
Census Block Group	2
Census Block	2005
Census Tract	955202

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	11130 CENTRAL AVE, RIDGELY, MD 21660-1735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jun 7, 2022	Special Warranty Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2023 · Amount on Record
Deed Sale	Jan 18, 2023 · Amount on Record
Prior Sale	Jun 7, 2022 · Amount on Record
Deed Book / Page	1613 / 30
Record Updated	Oct 29, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jan 18, 2023
Property Address	11130 CENTRAL AVE, RIDGELY, MD 21660-1735
Document Number	0016130030
Book / Page	1613 / 30
Instrument Date	Dec 16, 2022
Transaction Type	Transfer
Record Updated	Feb 6, 2023
Title Company	CARTER TITLE LLC, CHARTER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,435.00
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 in Severalty
Address	11130 CENTRAL AVE, RIDGELY, MD 21660-1735

Mortgage

Document Number	0016130037
Date	Jan 18, 2023
Instrument	1613-0037

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 7, 2022
Property Address	11130 CENTRAL AVE, RIDGELY, MD 21660-1735
Document Number	0015780157
Book / Page	1578 / 157
Instrument Date	Jun 7, 2022
Transaction Type	Transfer
Record Updated	Jun 20, 2022
Title Company	TITLE FORWARD

Transaction

Amount	Amount Recorded
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
Address	530 S LAKE DR, 530, STEVENSVILLE, MD 21666

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11130 CENTRAL AVE, RIDGELY, MD 21660-1735

Mortgage

Document Number	0001578165
Date	Jun 7, 2022
Instrument	1578-165

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Caroline County
Unified School District	Caroline County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,698.00 (+12.44%)	$339,333 (+35.07%)	$426,600 (+44.76%) Land $81,600 Building $345,000
2025	$3,289.00 (+19.91%)
2023	$2,743.00	$251,233	$294,700 Land $80,600 Building $214,100

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2001 · rainfall accumulation

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	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Choptank Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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