11329 River Rd, Ridgely, MD 21660 Property Records

Caroline County property record for 11329 River Rd, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 2018
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on Record
Last Sale	$449,900 (Jul 2024)
Tax Bill	$3,655 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Feb 2019 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-032552`

Property Details

APN / Parcel Number

Primary APN	`07-032552`
Alternative APN	`032552`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Total Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	69,696 sqft (1.6 acres)
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	160 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	032552
Street Address	11329 RIVER RD
City	RIDGELY
State	MD
Zip	21660-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	1.60 AC LOT-3 E/S RIVER RD NW OF DENTON
Legal Subdivision	THE LANDS OF CCB-CDG LLC
Legal Lot Number	3
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 August 18, 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	11329 RIVER RD, RIDGELY, MD 21660-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Feb 20, 2019	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Jul 12, 2022	Deed, Transfer · Conventional Mortgage NFM INC
Aug 1, 2022	Intrafamily Transfer, Transfer BAY AREA TITLE, BAY EAST TITLE
Dec 3, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 1, 2017	Deed, Transfer · Commercial Mortgage PROVIDENT STATE BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2024 · Amount on Record
Deed Sale	Jul 8, 2024 · Amount on Record
Prior Sale	Jul 12, 2022 · Amount on Record
Deed Book / Page	1682 / 150
Prior Transfer Date	Jul 7, 2022
Prior Transfer Doc	0015870451
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	11329 RIVER RD, RIDGELY, MD 21660-1824
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	EASTERN SHORE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012820141
Date	Oct 30, 2017
Book Page	1282/141
Instrument	1282-141

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	11329 RIVER RD, RIDGELY, MD 21660-1824
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013450403
Date	Feb 20, 2019
Book Page	1345/403

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 25, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jul 12, 2022
Property Address	11329 RIVER RD, RIDGELY, MD 21660-1824
Document Number	0015840358
Book / Page	1584 / 358
Map Reference	MB 13 PG 3
Instrument Date	Jul 7, 2022
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	BAY AREA TITLE, BAY EAST TITLE

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	11329 RIVER RD, RIDGELY, MD 21660-1824

Mortgage

Document Number	0001584363
Date	Jul 12, 2022
Instrument	1584-363

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAROLINE MD
Recording Date	Aug 1, 2022
Property Address	11329 RIVER RD, RIDGELY, MD 21660-1824
Document Number	0015870451
Book / Page	1587 / 451
Map Reference	MB 13 PL 55
Instrument Date	Jul 7, 2022
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	BAY AREA TITLE, BAY EAST TITLE

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 by the Entirety
Address	11329 RIVER RD, RIDGELY, MD 21660-1824

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAROLINE MD
Recording Date	Dec 3, 2018
Property Address	11329 RIVER RD, RIDGELY, MD 21660-1824
Document Number	0013360486
Book / Page	001336 / 000486
Instrument Date	Nov 27, 2018
Transaction Type	Transfer
Record Updated	Dec 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11329 RIVER RD RIDGELY MD 216601824, RIDGELY, MD 21660-1824

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	May 1, 2017
Property Address	11329 RIVER RD, RIDGELY, MD 21660-1824
Document Number	0012550091
Book / Page	1255 / 091
Map Reference	LB13/55
Instrument Date	Apr 26, 2017
Instrument	1255-091
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	EASTERN SHORE TITLE COP

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
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	102 LAURENS WAY, QUEEN ANNE, MD 21657-1831

Mortgage

Document Number	0001255095
Date	May 1, 2017
Instrument	1255-095

Lender

Name	PROVIDENT STATE BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$355,267 (+7.91%)	$381,300 (-) Land $89,500 Building $291,800
2025	$3,655.00 (+17.34%)	$329,233 (+15.39%)	$381,300 (+25.76%) Land $89,500 Building $291,800
2023	$3,115.00 (+6.68%)	$285,333 (+6.68%)	$303,200 (-) Land $78,000 Building $225,200
2022	$2,920.00	$267,467	$303,200 Land $78,000 Building $225,200

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
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	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 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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