130 Walnut St, Ridgely, MD 21660 Property Records

Caroline County property record for 130 Walnut St, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,548 sqft · built 2011
Lot Size	0.308 acres (13,406 sqft)
Owner	2 Individual Names on File
Last Sale	$369,000 (Nov 2025)
Tax Bill	$4,286 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-032390`

Property Details

APN / Parcel Number

Primary APN	`07-032390`
Alternative APN	`032390`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,548 sqft Total Area

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,406 sqft (0.308 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	032390
Street Address	130 WALNUT ST
City	RIDGELY
State	MD
Zip	21660-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	13,406 SF L-2 S/S WALNUT ST E OF RIDGELY
Legal Subdivision	CHRISTOPHER E GARVEY LANDS
Legal Lot Number	2
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2008
Census Tract	955201

Owner

130 Walnut St is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	130 WALNUT ST, RIDGELY, MD 21660-1901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025 · Amount on File
Deed Sale	Nov 24, 2025 · Amount on File
Prior Sale	Sep 28, 2015 · Amount on File
Deed Book / Page	1760 / 268
Record Updated	Oct 29, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Nov 24, 2025
Property Address	130 WALNUT ST, RIDGELY, MD 21660-1901
Document Number	0017600268
Book / Page	1760 / 268
Map Reference	MB FDM 12 FO 81
Instrument Date	Nov 17, 2025
Transaction Type	Transfer
Record Updated	Dec 17, 2025
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$922.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	130 WALNUT ST, RIDGELY, MD 21660-1901

Mortgage

Document Number	0001760275
Date	Nov 24, 2025
Instrument	1760/275

Lender

Name	ACRE MORTGAGE & FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 130 Walnut St was $4,286 with a homeowner's exemption, up 12.6% 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	$4,286.00 (+12.61%) Homeowner's exemption	$288,133 (+7.81%)	$309,000 (-) Land $61,200 Building $247,800
2025	$3,806.00 Homeowner's exemption	$267,267	$309,000 Land $61,200 Building $247,800
2023	$3,498.00 Homeowner's exemption	$237,367	$246,400 Land $45,200 Building $201,200

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

Flood

FEMA maps place 130 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 130 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.

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