Caroline County property record for 12185 River Rd, Ridgely, MD 21660
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,026 sqft · built 1990 |
| Lot Size | 1.87 acres (81,457 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $260,000 (Jul 2024) |
| Tax Bill | $2,271 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-014422 |
| Primary APN | 07-014422 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,026 sqft Total Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 81,457 sqft (1.87 acres) |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 014422 |
|---|---|
| Street Address | 12185 RIVER RD |
| City | RIDGELY |
| State | MD |
| Zip | 21660-1648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 1.87 AC NE/S RIVER ROAD NW OF DENTON |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 7, RIDGELY |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 955201 |
Source: Caroline County records, as of August 18, 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 | 12516 STABLE HOUSE CT, POTOMAC, MD 20854-2443 |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2024 · Amount on Record |
| Deed Sale | Jul 8, 2024 · Amount on Record |
| Prior Sale | Sep 12, 2007 · Amount on Record |
| Deed Book / Page | 1682 / 109 |
| Transfer Doc | 0000000949 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 12185 RIVER RD, RIDGELY, MD 21660-1648 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0015680101 |
|---|---|
| Date | Apr 13, 2022 |
| Book Page | 1568/101 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Feb 1, 2042 |
Source: Caroline County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Caroline County |
| Unified School District | Caroline County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $226,567 (+35.29%) | $250,600 (+40.39%) Land $91,500 Building $159,100 | |
| 2025 | $2,271.00 (+30.37%) | ||
| 2023 | $1,742.00 Homeowner's exemption | $167,467 | $178,500 Land $79,300 Building $99,200 |
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 | 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.
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.
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 |
5G and 4G LTE (outdoors only)
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