115 Walnut St, Ridgely, MD 21660 Property Records

Caroline County property record for 115 Walnut St, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,652 sqft · built 2005
Lot Size	0.242 acres (10,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$279,000 (Sep 2018)
Tax Bill	$4,899 (2026)
Deeds & Mortgages	Sep 2018 Sale & Mortgage Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-029705`

Property Details

APN / Parcel Number

Primary APN	`07-029705`
Alternative APN	`029705`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,652 sqft Total Area
1st Floor Area	2,552 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	10,560 sqft (0.242 acres)
Garage Type	Built-in
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	029705
Street Address	115 WALNUT ST
City	RIDGELY
State	MD
Zip	21660-1940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	10,560 SF LOT-29 W/S CARROLL LN LISTER ESTATES
Legal Subdivision	LISTER ESTATES
Legal Lot Number	29
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2011
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	115 WALNUT ST, RIDGELY, MD 21660-1940
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2018	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Jun 4, 2018	Trustee's Deed, Transfer EASTERN MT TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2018 · Amount on Record
Deed Sale	Sep 11, 2018 · Amount on Record
Prior Sale	Jun 4, 2018 · Amount on Record
Deed Book / Page	1326 / 12
Prior Transfer Date	Jul 5, 2016
Prior Transfer Doc	0012130402
Record Updated	Oct 29, 2026

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Sep 11, 2018
Property Address	115 WALNUT ST, RIDGELY, MD 21660-1940
Document Number	0013260012
Book / Page	1326 / 012
Map Reference	MB PC9 PL100
Instrument Date	Aug 31, 2018
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	IN HOUSE TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,717.50
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	Joint Tenants
Address	115 WALNUT ST, RIDGELY, MD 21660-1940

Mortgage

Document Number	0000132619
Date	Sep 11, 2018
Instrument	1326/19

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

June 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 4, 2018
Property Address	115 WALNUT ST, RIDGELY, MD 21660-1940
Document Number	0013120359
Book / Page	001312 / 000359
Instrument Date	May 31, 2018
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	EASTERN MT TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$216.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 858 RIDGELY MD 216600858, RIDGELY, MD 21660-0858

Tax Assessment & Valuation

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,899.00 (+2.3%)	$329,333 (+11.01%)	$341,000 (+11.44%) Land $50,000 Building $291,000
2025	$4,789.00 (+5.51%)
2023	$4,539.00	$296,667	$306,000 Land $50,000 Building $256,000

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	1 in force

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF RIDGELY serves 1,600 people · EPA ID MD0050006
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Choptank Fiber.

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