11132 River Rd, Ridgely, MD 21660 Property Records

Caroline County property record for 11132 River Rd, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,288 sqft · built 2002
Lot Size	5.33 acres (232,175 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Apr 2019)
Tax Bill	$4,508 (2026)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-014880`

Property Details

APN / Parcel Number

Primary APN	`07-014880`
Alternative APNs	`7014880` `014880`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,288 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	232,175 sqft (5.33 acres)
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	110 sqft
Deck Area	288 sqft
Shed	1 Shed
Shed Area	768 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	014880
Street Address	11132 RIVER RD
City	RIDGELY
State	MD
Zip	21660-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	5.33 AC L 2R W/S RIVER ROAD NW OF DENTON
Legal Lot Number	2R
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1073
Census Tract	955201

Owner

11132 River Rd is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	11132 RIVER RD, RIDGELY, MD 21660-1819
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2019 · Amount on File
Deed Sale	Apr 18, 2019 · Amount on File
Prior Sale	Sep 10, 2007
Deed Book / Page	1353 / 303
Prior Transfer Date	Aug 24, 2007
Prior Transfer Doc	0007820085
Record Updated	Oct 29, 2026

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Apr 18, 2019
Property Address	11132 RIVER RD, RIDGELY, MD 21660-1819
Document Number	0013530303
Book / Page	1353 / 303
Map Reference	LB FDM 26 FO 1577
Instrument Date	Apr 12, 2019
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	TITLE EXCELLENCE

Transaction

Amount	Amount on Record
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	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11132 RIVER RD, RIDGELY, MD 21660-1819

Mortgage

Document Number	0001353309
Date	Apr 18, 2019
Instrument	1353/309

Lender

Name	US MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 11132 River Rd was $4,508, up 5.1% from the year before.

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	$4,508.00 (+5.06%)	$414,933 (+7.09%)	$442,400 (-) Land $117,400 Building $325,000
2025	$4,291.00	$387,467	$442,400 Land $117,400 Building $325,000
2023	$3,686.00	$337,633	$360,000 Land $96,600 Building $263,400

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

Flood

FEMA maps place 11132 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	2 in force
Nearby Flood Claims	2 (1999–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 11132 River Rd is moderate, ranking above 45% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 85% of Maryland
Wildfire Likelihood	0.05% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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