11409 Shane Cir, Ridgely, MD 21660 Property Records

Caroline County property record for 11409 Shane Cir, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,138 sqft · built 2018
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Aug 2018)
Tax Bill	$3,419 (2026)
Deeds & Mortgages	Dec 2017 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-031483`

Property Details

APN / Parcel Number

Primary APN	`07-031483`
Alternative APN	`031483`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,138 sqft Total Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	54,886 sqft (1.26 acres)
Garage Type	Built-in
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	031483
Street Address	11409 SHANE CIR
City	RIDGELY
State	MD
Zip	21660-1639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	1.262 AC LOT-9 SHANE CIR BRANFIELDS
Legal Subdivision	BRANFIELDS
Legal Lot Number	9
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1073
Census Tract	955201

Owner

11409 Shane Cir is owned and occupied by two individuals who bought it in August 2018.

Source: Caroline County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11409 SHANE CIR, RIDGELY, MD 21660-1639
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2017	Deed of Trust, Mortgage · Commercial Mortgage CNB
Aug 7, 2018	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Sep 1, 2017	Grant Deed, Transfer · Construction Mortgage ARLEN L & KATHLEEN A BUSCH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on File
Deed Sale	Aug 7, 2018 · Amount on File
Prior Sale	Sep 1, 2017 · Amount on File
Deed Book / Page	1320 / 500
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	11409 SHANE CIR, RIDGELY, MD 21660-1639
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012890416
Date	Dec 20, 2017
Book Page	1289/416
Instrument	1289-416

Lender

Name	CNB
Type	Bank
Address	DENTON, MD 21629

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Aug 7, 2018
Property Address	11409 SHANE CIR, RIDGELY, MD 21660-1639
Document Number	0013200500
Book / Page	1320 / 500
Map Reference	LB11 FO32A
Instrument Date	Aug 2, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,475.00
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
Address	11409 SHANE CIR, RIDGELY, MD 21660-1639

Mortgage

Document Number	0001320505
Date	Aug 7, 2018
Instrument	1320/505

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Sep 1, 2017
Property Address	11409 SHANE CIR, RIDGELY, MD 21660-1639
Document Number	0012730096
Book / Page	001273 / 000096
Instrument Date	Aug 30, 2017
Transaction Type	Transfer
Record Updated	Nov 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Mortgage

Document Number	12730100
Date	Sep 1, 2017
Book Page	001273/000100

Lender

Name	ARLEN L & KATHLEEN A BUSCH
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 31, 2018

Tax Assessment & Valuation

The 2026 property tax bill for 11409 Shane Cir was $3,419 with a homeowner's exemption, down 3.9% from the year before.

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	$3,419.00 (-3.93%) Homeowner's exemption	$352,333	$369,500 Land $76,300 Building $293,200
2025	$3,559.00
2023	$3,225.00 Homeowner's exemption	$301,567	$318,000 Land $76,300 Building $241,700

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

Flood

FEMA maps place 11409 Shane Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

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

Wildfire risk around 11409 Shane Cir is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 73% of Maryland
Wildfire Likelihood	0.02% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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