Caroline County property record for 12384 River Rd, Ridgely, MD 21660
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,756 sqft · built 2005 |
| Lot Size | 1.66 acres (72,310 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $78,000 (Feb 2005) |
| Tax Bill | $4,031 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-030436 |
| Primary APN | 07-030436 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,756 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 72,310 sqft (1.66 acres) |
| Garage Type | Built-in |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 228 sqft |
| Patio Area | 560 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 030436 |
|---|---|
| Street Address | 12384 RIVER RD |
| City | RIDGELY |
| State | MD |
| Zip | 21660-1608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 1.660 AC LOT-3 SW/S RIVER RD SUNNY FIELDS |
| Legal Subdivision | SUNNY FIELDS |
| Legal Lot Number | 3 |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 7, RIDGELY |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 955201 |
12384 River Rd is owned and occupied by two individuals who bought it in February 2005.
Source: Caroline County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 188, RIDGELY, MD 21660-0188 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 11, 2005 · Amount on File |
| Deed Sale | Feb 11, 2005 · Amount on File |
| Deed Document Number | 200550145 |
| Deed Book / Page | 588 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 12384 RIVER RD, RIDGELY, MD 21660-1608 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0014880468 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 1488/468 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Feb 1, 2051 |
The 2026 property tax bill for 12384 River Rd was $4,031 with a homeowner's exemption, up 3.6% from the year before.
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 | $4,031.00 (+3.57%) Homeowner's exemption | $401,200 | $436,100 Land $89,900 Building $346,200 |
| 2025 | $3,892.00 | ||
| 2023 | $3,528.00 Homeowner's exemption | $323,167 | $331,400 Land $78,300 Building $253,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12384 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 risk around 12384 River Rd is low, with less than 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 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Choptank Fiber Fiber | 2,500 / 2,500 |
May also be available: Xfinity.
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures