11280 River Rd, Ridgely, MD 21660 Property Records

Caroline County property record for 11280 River Rd, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,528 sqft · built 2020
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on File
Last Sale	$268,000 (Aug 2020)
Tax Bill	$3,279 (2025)
Deeds & Mortgages	Aug 2020 Sale Mar 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-031815`

Property Details

APN / Parcel Number

Primary APN	`07-031815`
Alternative APN	`031815`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,528 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	53,579 sqft (1.23 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	031815
Street Address	11280 RIVER RD
City	RIDGELY
State	MD
Zip	21660-1832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	1.234 AC LOT-38 RIVER RD BRANFIELDS
Legal Subdivision	BRANSFIELD
Legal Lot Number	38
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1073
Census Tract	955201

Owner

Source: Caroline County records · APN 07-031815

Assessment roll updated August 18, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	11280 RIVER RD, RIDGELY, MD 21660-1832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Grant Deed, Subdivision Related Transfer VENTURE TITLE
Mar 13, 2020	Deed of Trust, Construction Loan · Construction Mortgage H MICHAEL SPURRY
Jul 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage H MICHAEL SPURRY
Jan 29, 2018	Grant Deed, Transfer · Construction Mortgage H M SPURRY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 28, 2020 · Amount on Record
Deed Sale	Aug 28, 2020 · Amount on Record
Prior Sale	Jan 29, 2018 · Amount on Record
Deed Book / Page	1435 / 36
Record Updated	Sep 20, 2026

August 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Aug 28, 2020
Property Address	11280 RIVER RD, RIDGELY, MD 21660-1832
Document Number	0014350036
Book / Page	001435 / 000036
Instrument Date	Aug 21, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 30, 2020
Title Company	VENTURE TITLE

Transaction

Amount	Amount Recorded
Tax	$268.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11280 RIVER RD RIDGELY MD 21660, RIDGELY, MD 21660

March 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Recording Date	Mar 13, 2020
Property Address	11280 RIVER RD, RIDGELY, MD 21660-1832
Document Number	0014050235
Book / Page	001405 / 000235
Instrument Date	Mar 13, 2020
Transaction Type	Construction Loan
Record Updated	Jun 02, 2020
Title Company	VENTURE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	RIVER RD RIDGELY MD 21660, RIDGELY, MD 21660

Mortgage

Document Number	14050235
Date	Mar 13, 2020
Book Page	001405/000235

Lender

Name	H MICHAEL SPURRY
Address	2320 CHANCELLOR POINT RD, TRAPPE, MD 21673-1504

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 12, 2021

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	11280 RIVER RD, RIDGELY, MD 21660-1832
Document Number	0013190347
Instrument Date	Jul 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018
Title Company	VENTURE TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	RIVER RD RIDGELEY MD 21060, RIDGELEY, MD 21060

Mortgage

Document Number	0013190347
Date	Jul 26, 2018
Book Page	001319/000347

Lender

Name	H MICHAEL SPURRY
Address	8737 BRENTON DR, EASTON, MD 21601-1201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jul 25, 2020

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Jan 29, 2018
Property Address	11280 RIVER RD, RIDGELY, MD 21660-1832
Document Number	0012950240
Book / Page	001295 / 000240
Instrument Date	Jan 12, 2018
Transaction Type	Transfer
Record Updated	Feb 14, 2018
Title Company	VENTURE TITLE

Transaction

Amount	Amount Recorded
Tax	$101.25
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6042 LAUREL GROVE RD DENTON MD 216292505, DENTON, MD 21629-2505

Mortgage

Document Number	12950244
Date	Jan 29, 2018
Book Page	001295/000244

Lender

Name	H M SPURRY
Address	8737 BRENTON DR, EASTON, MD 21601-1201

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 28, 2019

Tax Assessment & Valuation

Source: Caroline County records · Assessment roll updated August 18, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$314,433 (+16.24%)	$329,300 (+15.67%) Land $76,100 Building $253,200
2025	$3,279.00 (+12.37%)
2023	$2,918.00 Homeowner's exemption	$270,500	$284,700 Land $76,100 Building $208,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 47 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on River Rd

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