11360 River Rd, Ridgely, MD 21660 Property Records

Caroline County property record for 11360 River Rd, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,052 sqft · built 2000
Lot Size	2.15 acres (93,654 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,127 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-017774`

Property Details

APN / Parcel Number

Primary APN	`07-017774`
Alternative APNs	`7017774` `017774`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,052 sqft Total Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	93,654 sqft (2.15 acres)
Deck Area	480 sqft
Shed	1 Shed
Shed Area	1,536 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	017774
Street Address	11360 RIVER RD
City	RIDGELY
State	MD
Zip	21660-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	2.15 AC LOT 1 SW/S HOLSINGER LN NW OF DENTON
Legal Subdivision	WERNER JOSEPH ALLEN LANDS
Legal Lot Number	1
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1073
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	2 Individual Names on Record
Mailing Address	11360 RIVER RD, RIDGELY, MD 21660-1823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 14, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	11360 RIVER RD, RIDGELY, MD 21660-1823
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11360 RIVER RD, RIDGELY, MD 21660-1823

Mortgage

Document Number	0015990486
Date	Oct 11, 2022
Book Page	1599/486

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	11360 RIVER RD, RIDGELY, MD 21660-1823
Document Number	0014410239
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11360 RIVER RD RIDGELY MD 216601823, RIDGELY, MD 21660-1823

Mortgage

Document Number	0014410239
Date	Sep 30, 2020
Book Page	001441/000239

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 29, 2040

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		$353,400 (+10.58%)	$387,200 (-) Land $93,600 Building $293,600
2025	$3,127.00 (+13.13%) Homeowner's exemption	$319,600 (+18.75%)	$387,200 (+35.48%) Land $93,600 Building $293,600
2023	$2,764.00 Homeowner's exemption	$269,133	$285,800 Land $80,700 Building $205,100

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)

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures