Caroline County property record for 11528 Ridgely Rd, Ridgely, MD 21660
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,331 sqft · built 1987 |
| Lot Size | 4.82 acres (209,959 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $199,900 (Apr 1998) |
| Tax Bill | $4,139 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-005039 |
| Primary APN | 06-005039 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,331 sqft Total Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 209,959 sqft (4.82 acres) |
| Garage Type | Built-in |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 14 sqft |
| Deck Area | 435 sqft |
| Shed | 1 Shed |
| Shed Area | 112 sqft |
| Gazebo | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 005039 |
|---|---|
| Street Address | 11528 RIDGELY RD |
| City | RIDGELY |
| State | MD |
| Zip | 21660-1259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 4.821 AC N/S RIDGELY RD E OF HILLSBORO |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 6, HILLSBORO |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 955202 |
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 | 11528 RIDGELY RD, RIDGELY, MD 21660-1259 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2022 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Mar 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL FREEDOM MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 1998 · Amount on Record |
| Deed Sale | Apr 1, 1998 · Amount on Record |
| Prior Sale | Sep 8, 1989 · Amount on Record |
| Deed Document Number | 1998233 |
| Deed Book / Page | 334 / 368 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 11528 RIDGELY RD, RIDGELY, MD 21660-1259 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 11528 RIDGELY RD, RIDGELY, MD 21660-1259 |
| Document Number | 0015960344 |
|---|---|
| Date | Sep 20, 2022 |
| Book Page | 1596/344 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 11528 RIDGELY RD, RIDGELY, MD 21660-1259 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | EAGLE TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0014060152 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 1406/152 |
| Name | FINANCIAL FREEDOM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
Source: Caroline County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Caroline County |
| Unified School District | Caroline County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,139.00 (+12.66%) | $380,500 (+27.57%) | $479,500 (+44.86%) Land $95,600 Building $383,900 |
| 2025 | $3,674.00 (+12.8%) | ||
| 2023 | $3,257.00 | $298,267 | $331,000 Land $87,100 Building $243,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 2 (2001–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 2003 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 76% of Maryland |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Choptank Fiber.
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