Caroline County property record for 12 Central Ave, Ridgely, MD 21660
| Property Type | Commercial |
|---|---|
| Details | 3 ba · 2,374 sqft · built 1892 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (Aug 2018) |
| Tax Bill | $3,752 (2026) |
| Deeds & Mortgages | Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-001835 |
| Primary APN | 07-001835 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,374 sqft Total Area |
| 1st Floor Area | 1,209 sqft |
| Year Built | Built 1892 |
|---|---|
| Effective Year Built | Effective 1892 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.207 acres) |
| Lot Dimensions | 180 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 316 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 001835 |
|---|---|
| Street Address | 12 CENTRAL AVE |
| City | RIDGELY |
| State | MD |
| Zip | 21660-2021 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | C-2 |
| Legal Description | 9000 SQ FT NE/S CENTRAL AVE RIDGELY |
| Legal Subdivision | RIDGELY |
| Legal Lot Number | 8 |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 7, RIDGELY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 955201 |
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 | 12 CENTRAL AVE, RIDGELY, MD 21660-2021 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2018 · Amount on Record |
| Deed Sale | Aug 30, 2018 · Amount on Record |
| Prior Sale | Sep 22, 2010 · Amount on Record |
| Deed Book / Page | 1324 / 196 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAROLINE MD |
| Recording Date | Aug 30, 2018 |
| Property Address | 12 CENTRAL AVE, RIDGELY, MD 21660-2021 |
| Document Number | 0013240196 |
| Book / Page | 001324 / 000196 |
| Instrument Date | Aug 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12 CENTRAL AVE RIDGELY MD 216602021, RIDGELY, MD 21660-2021 |
| Document Number | 13240200 |
|---|---|
| Date | Aug 30, 2018 |
| Book Page | 001324/000200 |
| Name | THADDEUS J HOY |
|---|---|
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Aug 29, 2025 |
Source: Caroline County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Caroline County |
| Municipality | Ridgely Town |
| Unified School District | Caroline County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,752.00 (+15.48%) | $252,233 (+42.18%) | $288,900 (+61.49%) Land $42,600 Building $246,300 |
| 2025 | $3,249.00 (+19.71%) | ||
| 2023 | $2,714.00 | $177,400 | $178,900 Land $42,600 Building $136,300 |
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 | 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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 244 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: T-Mobile.
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