11227 River Rd, Ridgely, MD 21660 Property Records

Caroline County property record for 11227 River Rd, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,708 sqft · built 1995
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$775,000 (Jul 2026)
Tax Bill	$6,439 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-013604`

Property Details

APN / Parcel Number

Primary APN	`07-013604`
Alternative APNs	`7013604` `013604`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,708 sqft Total Area
Basement Area	216 sqft
Unfinished Basement	216 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	234 sqft
Patio Area	252 sqft
Shed	1 Shed
Shed Area	312 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	013604
Street Address	11227 RIVER RD
City	RIDGELY
State	MD
Zip	21660-1822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	3.0 AC E/S RIVER ROAD NW OF DENTON
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1055
Census Tract	955201

Owner

11227 River Rd is owned and occupied by two individuals who bought it in July 2026.

Source: Caroline County records, as of August 18, 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	2 Individual Names on File
Mailing Address	11227 RIVER RD, RIDGELY, MD 21660-1822
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Mar 24, 2020	Intrafamily Transfer, Transfer DBA REAL ESTATE T&E
Jun 6, 2017	Deed, Transfer · Conventional Mortgage MNET MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on File
Deed Sale	Jul 21, 2026 · Amount on File
Prior Sale	Jun 6, 2017 · Amount on File
Deed Book / Page	1798 / 102
Prior Transfer Date	Mar 10, 2020
Prior Transfer Doc	0014070056
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jul 21, 2026
Property Address	11227 RIVER RD, RIDGELY, MD 21660-1822
Document Number	1798000102
Book / Page	1798 / 102
Instrument Date	Jul 15, 2026
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$782,750.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11227 RIVER RD, RIDGELY, MD 21660-1822

Mortgage

Document Number	1798000109,
Date	Jul 21, 2026
Book Page	1798/109

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	11227 RIVER RD, RIDGELY, MD 21660-1822
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	REAL ESTATE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014190498
Date	Jun 10, 2020
Book Page	1419/498

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	11227 RIVER RD, RIDGELY, MD 21660-1822
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014190240
Date	Jun 9, 2020
Book Page	1419/240

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2050

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAROLINE MD
Recording Date	Mar 24, 2020
Property Address	11227 RIVER RD, RIDGELY, MD 21660-1822
Document Number	0014070056
Book / Page	1407 / 56
Instrument Date	Mar 10, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	DBA REAL ESTATE T&E

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	11227 RIVER RD, RIDGELY, MD 21660-1822

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 6, 2017
Property Address	11227 RIVER RD, RIDGELY, MD 21660-1822
Document Number	0012600112
Book / Page	1260 / 112
Map Reference	LB FDM 221 FO503
Instrument Date	Jun 2, 2017
Instrument	1260-112
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,480.00
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	Joint Tenants
Address	11227 RIVER RD, RIDGELY, MD 21660-1822

Mortgage

Document Number	1260119
Date	Jun 6, 2017
Instrument	1260-119

Lender

Name	MNET MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 11227 River Rd was $6,439 with a homeowner's exemption.

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		$608,400 (+3.7%)	$630,100 (-) Land $115,000 Building $515,100
2025	$6,439.00 Homeowner's exemption	$586,700	$630,100 Land $115,000 Building $515,100
2023	$5,963.00 Homeowner's exemption	$546,100	$565,000 Land $140,000 Building $425,000

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

Flood

FEMA maps place 11227 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 AE, 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 11227 River Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 75% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Choptank Fiber.

Cell Coverage

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

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