11231 River Rd, Ridgely, MD 21660 Property Records

Caroline County property record for 11231 River Rd, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,600 sqft · built 1984
Lot Size	3.65 acres (158,994 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Jul 2026)
Tax Bill	$1,628 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-001177`

Property Details

APN / Parcel Number

Primary APN	`07-001177`
Alternative APNs	`7001177` `001177`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,600 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Siding
Roof Material	Metal
Lot Area	158,994 sqft (3.65 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	384 sqft
Patio Area	144 sqft
Shed	1 Shed
Shed Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	001177
Street Address	11231 RIVER RD
City	RIDGELY
State	MD
Zip	21660-1822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	3.65 AC E/S RIVER RD NW OF DENTON
Legal Subdivision	T L DAY & CO
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1055
Census Tract	955201

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	11231 RIVER RD, RIDGELY, MD 21660-1822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed, Transfer · Conventional Mortgage MORTGAGE DIRECT LLC
Mar 23, 2023	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Prior Sale	Mar 23, 2023 · Amount on Record
Deed Book / Page	1797 / 163
Prior Transfer Date	Mar 13, 2023
Prior Transfer Doc	0016210110
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jul 16, 2026
Property Address	11231 RIVER RD, RIDGELY, MD 21660-1822
Document Number	1797000163
Book / Page	1797 / 163
Instrument Date	Jul 9, 2026
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	COMMUNITY TITLE, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$398,950.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11231 RIVER RD, RIDGELY, MD 21660-1822

Mortgage

Document Number	1797000171,
Date	Jul 16, 2026
Book Page	1797/171

Lender

Name	MORTGAGE DIRECT LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Mar 23, 2023
Property Address	11231 RIVER RD, RIDGELY, MD 21660-1822
Document Number	0016210110
Book / Page	1621 / 110
Instrument Date	Mar 13, 2023
Transaction Type	Transfer
Record Updated	Apr 21, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$443.13
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11231 RIVER RD, RIDGELY, MD 21660-1822

Mortgage

Document Number	0016210117
Date	Mar 23, 2023
Instrument	1621-0117

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

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	$1,628.00 (+2,613.33%)	$305,633 (+9.21%)	$331,400 (-) Land $104,800 Building $226,600
2025	$60.00 (-97.7%)	$279,867 (+17.07%)	$331,400 (+30.42%) Land $104,800 Building $226,600
2023	$2,610.00	$239,067	$254,100 Land $88,200 Building $165,900

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 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

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 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

5G and 4G LTE (outdoors only)

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