11331 River Rd, Ridgely, MD 21660 Property Records

Caroline County property record for 11331 River Rd, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,648 sqft · built 2019
Lot Size	1.61 acres (70,132 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,900 (Feb 2019)
Tax Bill	$3,456 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-032544`

Property Details

APN / Parcel Number

Primary APN	`07-032544`
Alternative APN	`032544`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,648 sqft Total Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	70,132 sqft (1.61 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	032544
Street Address	11331 RIVER RD
City	RIDGELY
State	MD
Zip	21660-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	1.61 AC LOT-2 E/S RIVER RD NW OF DENTON
Legal Subdivision	MINOR SUB
Legal Lot Number	2
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	2 Individual Names on Record
Mailing Address	11331 RIVER RD, RIDGELY, MD 21660-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage BAY CAPITAL MORTGAGE CORP
Feb 13, 2019	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
May 7, 2018	Grant Deed, Transfer EASTERN MT TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2019 · Amount on Record
Deed Sale	Feb 13, 2019 · Amount on Record
Prior Sale	May 7, 2018 · Amount on Record
Deed Book / Page	1345 / 53
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	11331 RIVER RD, RIDGELY, MD 21660-1824
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014620359
Date	Jan 13, 2021
Book Page	1462/359

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2046

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Feb 13, 2019
Property Address	11331 RIVER RD, RIDGELY, MD 21660-1824
Document Number	0013450053
Book / Page	1345 / 053
Instrument Date	Jan 25, 2019
Transaction Type	Transfer
Record Updated	Aug 10, 2022

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11331 RIVER RD, RIDGELY, MD 21660-1824

Mortgage

Document Number	0000134560
Date	Feb 13, 2019
Instrument	1345/60

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	May 7, 2018
Property Address	11331 RIVER RD, RIDGELY, MD 21660-1824
Document Number	0013090043
Book / Page	001309 / 000043
Instrument Date	Apr 20, 2018
Transaction Type	Transfer
Record Updated	May 25, 2018
Title Company	EASTERN MT TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$38.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	24882 RIVERVIEW WAY RIDGELY MD 216601777, RIDGELY, MD 21660-1777

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	$3,456.00 (+3.44%) Homeowner's exemption	$362,867 (+26.54%)	$391,000 (+27.53%) Land $89,500 Building $301,500
2025	$3,341.00 (+12.99%)
2023	$2,957.00 Homeowner's exemption	$286,767	$306,600 Land $78,000 Building $228,600

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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