Caroline County property record for 14685 Cherry Ln, Ridgely, MD 21660
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,232 sqft · built 1996 |
| Lot Size | 3.33 acres (145,055 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Aug 2021) |
| Tax Bill | $3,540 (2026) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Sep 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-013272 |
| Primary APN | 07-013272 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,232 sqft Total Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 145,055 sqft (3.33 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 013272 |
|---|---|
| Street Address | 14685 CHERRY LN |
| City | RIDGELY |
| State | MD |
| Zip | 21660-1406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 3.332 AC L-40A CHERRY LANE LYN WOODS SUB |
| Legal Subdivision | CHERRY LANE LYN WOODS SUB |
| Legal Lot Number | 40 |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 7, RIDGELY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 955201 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 14685 CHERRY LN, RIDGELY, MD 21660-1406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 26, 2022 | Deed of Trust, Mortgage · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Jul 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Aug 24, 2021 | Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Feb 28, 2018 | Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2021 · Amount on Record |
| Deed Sale | Aug 24, 2021 · Amount on Record |
| Prior Sale | Feb 28, 2018 · Amount on Record |
| Deed Book / Page | 1516 / 267 |
| Transfer Doc | 0000000417 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 14685 CHERRY LN, RIDGELY, MD 21660-1406 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0017790023 |
|---|---|
| Date | Mar 30, 2026 |
| Book Page | 1779/23 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 14685 CHERRY LN, RIDGELY, MD 21660-1406 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | TITLE EXCELLENCE LLC, TITLE EXCELLENCE |
| Name | Verified Name |
|---|
| Document Number | 0015970271 |
|---|---|
| Date | Sep 26, 2022 |
| Book Page | 1597/271 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 14685 CHERRY LN, RIDGELY, MD 21660-1406 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | THE ATLANTIC TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0014240465 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 1424/465 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAROLINE MD |
| Recording Date | Aug 24, 2021 |
| Property Address | 14685 CHERRY LN, RIDGELY, MD 21660-1406 |
| Document Number | 0015160267 |
| Book / Page | 1516 / 267 |
| Map Reference | FILE 7 |
| Instrument Date | Aug 20, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | TITLE EXCELLENCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14685 CHERRY LN, RIDGELY, MD 21660-1406 |
| Document Number | 0015160272 |
|---|---|
| Date | Aug 24, 2021 |
| Book Page | 1516/272 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAROLINE MD |
| Recording Date | Feb 28, 2018 |
| Property Address | 14685 CHERRY LN, RIDGELY, MD 21660-1406 |
| Document Number | 0013000165 |
| Book / Page | 1300 / 165 |
| Map Reference | FILE7 PL515A |
| Instrument Date | Feb 1, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | THE ATLANTIC TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 14685 CHERRY LN, RIDGELY, MD 21660-1406 |
| Document Number | 0001300170 |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | 1300/170 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
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 | $3,540.00 (+2.52%) | $324,633 (+4.46%) | $338,500 (-) Land $101,300 Building $237,200 |
| 2025 | $3,453.00 (+17.25%) | $310,767 (+15.23%) | $338,500 (+14.01%) Land $101,300 Building $237,200 |
| 2023 | $2,945.00 | $269,700 | $296,900 Land $101,300 Building $195,600 |
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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