121 Walnut St, Ridgely, MD 21660 Property Records

Caroline County property record for 121 Walnut St, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,158 sqft · built 2005
Lot Size	0.242 acres (10,560 sqft)
Owner	2 Individual Names on File
Last Sale	$194,900 (Jun 2015)
Tax Bill	$4,387 (2026)
Deeds & Mortgages	Oct 2025 Second Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-029748`

Property Details

APN / Parcel Number

Primary APN	`07-029748`
Alternative APN	`029748`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,158 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,560 sqft (0.242 acres)
Garage Type	Mixed
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Deck Area	468 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	029748
Street Address	121 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 32 CARROLL LN LISTER ESTATES
Legal Subdivision	LISTER ESTATES
Legal Lot Number	32
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2013
Census Tract	955201

Owner

121 Walnut St is owned and occupied by two individuals who bought it in June 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	121 WALNUT ST, RIDGELY, MD 21660-1940
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
Oct 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2015 · Amount on File
Deed Sale	Jun 25, 2015 · Amount on File
Prior Sale	Jun 20, 2014 · Amount on File
Deed Book / Page	1161 / 164
Prior Transfer Date	Jun 9, 2014
Prior Transfer Doc	0011130008
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	121 WALNUT ST, RIDGELY, MD 21660-1940
Transaction Type	Mortgage
Record Updated	Nov 5, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017520292
Date	Oct 14, 2025
Book Page	1752/292

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2045

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	121 WALNUT ST, RIDGELY, MD 21660-1940
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014770025
Date	Mar 15, 2021
Book Page	1477/25

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 121 Walnut St was $4,387 with a homeowner's exemption, up 3.3% from the year before.

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	$4,387.00 (+3.27%) Homeowner's exemption	$294,900	$307,000 Land $50,000 Building $257,000
2025	$4,248.00
2023	$3,917.00 Homeowner's exemption	$261,967	$270,700 Land $50,000 Building $220,700

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

Flood

FEMA maps place 121 Walnut 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 121 Walnut St is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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.

Nearby Properties on Walnut St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures