12064 School St, Ridgely, MD 21660 Property Records

Caroline County property record for 12064 School St, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,412 sqft · built 1985
Lot Size	0.531 acres (23,130 sqft)
Owner	2 Individual Names on File
Last Sale	$44,600 (Feb 1985)
Tax Bill	$3,047 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-010753`

Property Details

APN / Parcel Number

Primary APN	`07-010753`
Alternative APNs	`7010753` `010753`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,412 sqft Total Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	23,130 sqft (0.531 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	252 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	010753
Street Address	12064 SCHOOL ST
City	RIDGELY
State	MD
Zip	21660-1851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	23,130 SF W/S 3RD AVE EXT TRINITY
Legal Subdivision	PEOPLES RESCUE ASSOCIATION INC
Legal Lot Number	15B
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2075
Census Tract	955201

Owner

12064 School St is owned and occupied by two individuals who bought it in February 1985.

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

Owner of Record	2 Individual Names on File
Mailing Address	12064 SCHOOL ST, RIDGELY, MD 21660-1851
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
Jul 20, 2023	Deed of Trust, Mortgage · Line of Credit MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Mar 10, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Mar 10, 2023	Deed of Trust, Mortgage · Line of Credit MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Sep 6, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 1985 · Amount on File
Deed Sale	Feb 8, 1985 · Amount on File
Prior Sale	Jun 1, 1982 · Amount on File
Deed Book / Page	222 / 604
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	12064 SCHOOL ST, RIDGELY, MD 21660-1851
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	REGIS TITLE LLC, RGS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016360069
Date	Jul 20, 2023
Book Page	1636/69

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	12064 SCHOOL ST, RIDGELY, MD 21660-1851
Transaction Type	Mortgage
Record Updated	Mar 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016190287
Date	Mar 10, 2023
Book Page	1619/287

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	12064 SCHOOL ST, RIDGELY, MD 21660-1851
Transaction Type	Mortgage
Record Updated	Mar 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016190301
Date	Mar 10, 2023
Book Page	1619/301

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	12064 SCHOOL ST, RIDGELY, MD 21660-1851
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012730404
Date	Sep 6, 2017
Book Page	1273/404
Instrument	1273-404

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 12064 School St was $3,047 with a homeowner's exemption, up 1.8% 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	$3,047.00 (+1.77%) Homeowner's exemption	$303,900	$308,000 Land $53,100 Building $254,900
2025	$2,994.00
2023	$2,700.00 Homeowner's exemption	$280,067	$295,700 Land $37,000 Building $258,700

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

Flood

FEMA maps place 12064 School St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 12064 School St 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 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.

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 121 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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