132 Walnut St, Ridgely, MD 21660 Property Records

Caroline County property record for 132 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 (13,404 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Jan 2021)
Tax Bill	$3,950 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-032404`

Property Details

APN / Parcel Number

Primary APN	`07-032404`
Alternative APN	`032404`

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	13,404 sqft (0.308 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	032404
Street Address	132 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	13,404 SF L-3 S/S WALNUT ST E OF RIDGELY
Legal Subdivision	CHRISTOPHER E GARVEY TOWN RIDG
Legal Lot Number	3
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2008
Census Tract	955201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	132 WALNUT ST, RIDGELY, MD 21660-1901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2021	Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Mar 20, 2018	Quit Claim Deed, Transfer · Conventional Mortgage STATE EMP CU/MD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2021 · Amount on Record
Deed Sale	Jan 28, 2021 · Amount on Record
Prior Sale	Dec 21, 2011 · Amount on Record
Deed Book / Page	1465 / 337
Prior Transfer Date	Mar 6, 2018
Prior Transfer Doc	0013020345
Record Updated	Oct 29, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jan 28, 2021
Property Address	132 WALNUT ST, RIDGELY, MD 21660-1901
Document Number	0014650337
Book / Page	1465 / 337
Map Reference	MB FDM12 FO 8
Instrument Date	Jan 22, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 WALNUT ST, RIDGELY, MD 21660-1901

Mortgage

Document Number	0001465343
Date	Jan 28, 2021
Instrument	1465/343

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAROLINE MD
Recording Date	Mar 20, 2018
Property Address	132 WALNUT ST, RIDGELY, MD 21660-1901
Document Number	0013020345
Book / Page	001302 / 000345
Instrument Date	Mar 6, 2018
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	SECU TITLE SERVICES LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	132 WALNUT ST RIDGELY MD 216601901, RIDGELY, MD 21660-1901

Mortgage

Document Number	13020349
Date	Mar 20, 2018
Book Page	001302/000349

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Tax Assessment & Valuation

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	$3,950.00 (+0.08%)	$282,333 (+7.82%)	$302,800 (-) Land $61,200 Building $241,600
2025	$3,947.00 (+15.71%)	$261,867 (+17.46%)	$302,800 (+25.43%) Land $61,200 Building $241,600
2023	$3,411.00	$222,933	$241,400 Land $45,200 Building $196,200

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

Flood

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

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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