11544 Ridgely Rd, Ridgely, MD 21660 Property Records

Caroline County property record for 11544 Ridgely Rd, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,280 sqft · built 1982
Lot Size	11.8 acres (516,186 sqft)
Owner	2 Individual Names on File
Last Sale	$415,740 (Jun 2021)
Tax Bill	$4,380 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-004458`

Property Details

APN / Parcel Number

Primary APN	`06-004458`
Alternative APNs	`6004458` `004458`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,280 sqft Total Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	516,186 sqft (11.8 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	416 sqft
Deck Area	100 sqft
Shed	1 Shed
Shed Area	792 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	004458
Street Address	11544 RIDGELY RD
City	RIDGELY
State	MD
Zip	21660-1259
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	11.85 AC NS RT 480 E OF HILLSBORO
Legal Subdivision	PAUL E KLOSS
Jurisdiction	CAROLINE MD
Township / Civil Division	6, HILLSBORO
Census Block Group	1
Census Block	1008
Census Tract	955202

Owner

Source: Caroline County records · APN 06-004458

Assessment roll updated August 18, 2026 · Last verified August 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 File
Mailing Address	11544 RIDGELY RD, RIDGELY, MD 21660-1259
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2019	Deed of Trust, Mortgage · Commercial Mortgage SEVERN SAVINGS BANK FSB
Jun 02, 2021	Deed, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC
Jul 06, 2020	Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD
Jun 17, 2019	Deed, Transfer · Commercial Mortgage SEVERN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 02, 2021 · Amount on Record
Deed Sale	Jun 02, 2021 · Amount on Record
Prior Sale	Jul 06, 2020 · Amount on Record
Deed Book / Page	1498 / 186
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	11544 RIDGELY RD, RIDGELY, MD 21660-1259
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013740362
Date	Sep 12, 2019
Book Page	1374/362

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 02, 2021
Property Address	11544 RIDGELY RD, RIDGELY, MD 21660-1259
Document Number	0014980186
Book / Page	1498 / 186
Instrument Date	May 29, 2021
Transaction Type	Transfer
Record Updated	May 02, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11544 RIDGELY RD, RIDGELY, MD 21660-1259

Mortgage

Document Number	0001498193
Date	Jun 02, 2021
Instrument	1498/193

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2051

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jul 06, 2020
Property Address	11544 RIDGELY RD, RIDGELY, MD 21660-1259
Document Number	0014240204
Book / Page	1424 / 204
Map Reference	PL 7 MB 96
Instrument Date	Jun 15, 2020
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	CHARTER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11544 RIDGELY RD, RIDGELY, MD 21660-1259

Mortgage

Document Number	0001424212
Date	Jul 06, 2020
Instrument	1424/212

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2050

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 17, 2019
Property Address	11544 RIDGELY RD, RIDGELY, MD 21660-1259
Document Number	0013610430
Book / Page	1361 / 430
Instrument Date	May 17, 2019
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	CAPITOL TITLE INSURANCE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 BAY RIDGE AVE, ANNAPOLIS, MD 21403-3029

Mortgage

Document Number	0013610437
Date	Jun 17, 2019
Book Page	1361/437

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Caroline County records · Assessment roll updated August 18, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$453,267 (+25.1%)	$560,600 (+40.29%) Land $148,300 Building $412,300
2025	$4,380.00 (+10.72%)
2023	$3,956.00	$362,333	$399,600 Land $118,800 Building $280,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 62% of the US · above 76% of Maryland
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Choptank Electric Cooperative.

Based on FCC filings for 21 locations within half a mile of this property.

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