12171 River Rd, Ridgely, MD 21660 Property Records

Caroline County property record for 12171 River Rd, Ridgely, MD 21660

Property Summary

Property Type	Mobile Home
Details	2 ba · 1,568 sqft · built 1996
Lot Size	1.76 acres (76,666 sqft)
Owner	Individual Name on File
Last Sale	$263,000 (Nov 2023)
Tax Bill	$2,401 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-017456`

Property Details

APN / Parcel Number

Primary APN	`07-017456`
Alternative APNs	`7017456` `017456`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Mobile Home
Exterior Material	Siding
Roof Material	Metal
Lot Area	76,666 sqft (1.76 acres)
Shed	1 Shed
Shed Area	600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	017456
Street Address	12171 RIVER RD
City	RIDGELY
State	MD
Zip	21660-1648
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R
Legal Description	1.76 AC L-3 NE/S RIVER ROAD NW OF DENTON
Legal Subdivision	MINOR ON THE LAND OF A PAUL EASTON
Legal Lot Number	3
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1041
Census Tract	955201

Owner

12171 River Rd, a mobile home, is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	12171 RIVER RD, RIDGELY, MD 21660-1648
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
Nov 1, 2023	Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC
Jun 12, 2020	Deed of Trust, Mortgage · FHA Mortgage ELEVEN MTG
Aug 8, 2018	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Jan 22, 2018	Quit Claim Deed, Transfer EASTERN MT TITLE COMPANY
Jan 22, 2018	Grant Deed, Transfer EASTERN MT TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2023 · Amount on File
Deed Sale	Nov 1, 2023 · Amount on File
Prior Sale	Aug 8, 2018 · Amount on File
Deed Book / Page	1650 / 103
Prior Transfer Date	Dec 13, 2006
Prior Transfer Doc	0007410595
Record Updated	Oct 29, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Nov 1, 2023
Property Address	12171 RIVER RD, RIDGELY, MD 21660-1648
Document Number	0016500103
Book / Page	1650 / 103
Map Reference	PL 55A
Instrument Date	Oct 23, 2023
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	TITLE EXCELLENCE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$657.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12171 RIVER RD, RIDGELY, MD 21660-1648

Mortgage

Document Number	0016500110
Date	Nov 1, 2023
Instrument	1650-0110

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

Mortgage

Document Number	0016500134
Date	Nov 1, 2023
Book Page	1650/134

Lender

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

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	12171 RIVER RD, RIDGELY, MD 21660-1648
Document Number	0014210161
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12171 RIVER RD RIDGELY MD 216601648, RIDGELY, MD 21660-1648

Mortgage

Document Number	0014210161
Date	Jun 22, 2020
Book Page	001421/000161

Lender

Name	ELEVEN MTG
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Aug 8, 2018
Property Address	12171 RIVER RD, RIDGELY, MD 21660-1648
Document Number	0013210060
Book / Page	001321 / 000060
Instrument Date	Aug 3, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	VENTURE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$149.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	12171 RIVER RD RIDGELY MD 216601648, RIDGELY, MD 21660-1648

Mortgage

Document Number	13210066
Date	Aug 8, 2018
Book Page	001321/000066

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAROLINE MD
Recording Date	Jan 22, 2018
Property Address	12171 RIVER RD, RIDGELY, MD 21660-1648
Document Number	0012940130
Book / Page	001294 / 000130
Instrument Date	Jan 16, 2018
Transaction Type	Transfer
Record Updated	Feb 13, 2018
Title Company	EASTERN MT TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 N FIELD WAY CENTREVILLE MD 21617, CENTREVILLE, MD 21617

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Jan 22, 2018
Property Address	12171 RIVER RD, RIDGELY, MD 21660-1648
Document Number	0012940127
Book / Page	001294 / 000127
Instrument Date	Jan 16, 2018
Transaction Type	Transfer
Record Updated	Feb 13, 2018
Title Company	EASTERN MT TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$45.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 N FIELD WAY CENTREVILLE MD 21617, CENTREVILLE, MD 21617

Tax Assessment & Valuation

The 2026 property tax bill for 12171 River Rd was $2,401, up 12.4% 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	$2,401.00 (+12.41%)	$218,367 (+14.85%)	$246,600 (-) Land $90,700 Building $155,900
2025	$2,136.00	$190,133	$246,600 Land $90,700 Building $155,900
2023	$1,701.00	$155,800	$161,900 Land $78,800 Building $83,100

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

Flood

FEMA maps place 12171 River Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

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	2 in force
Nearby Flood Claims	2 (1999–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 12171 River Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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