15 Ridgeway Dr, Ridgely, MD 21660 Property Records

Caroline County property record for 15 Ridgeway Dr, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,560 sqft · built 2009
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$354,900 (Sep 2025)
Tax Bill	$4,060 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`07-032307`

Property Details

APN / Parcel Number

Primary APN	`07-032307`
Alternative APN	`032307`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,560 sqft Total Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	115 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	032307
Street Address	15 RIDGEWAY DR
City	RIDGELY
State	MD
Zip	21660-1953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	10,000 SF L-8 NW/S RIDGEWAY DR RIDGEWAY ESTATES
Legal Subdivision	RIDGEWAY ESTATES
Legal Lot Number	8
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1031
Census Tract	955201

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 8, 2022	Deed of Trust, Mortgage PENNYMAC LOAN SERVICES LLC
Jan 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Sep 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Nov 8, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 26, 2025	Deed, Transfer · FHA Mortgage NFM LENDING
Aug 19, 2019	Deed, Transfer · FHA Mortgage ON Q FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2025 · Amount on Record
Deed Sale	Sep 26, 2025 · Amount on Record
Prior Sale	Aug 19, 2019 · Amount on Record
Deed Book / Page	1749 / 492
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953

Mortgage

Document Number	0015130253
Date	Aug 10, 2021
Book Page	1513/253

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953

Mortgage

Document Number	0015890106
Date	Aug 8, 2022
Book Page	1589/106

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Amount	Amount Recorded
Term	347 Months
Due	Jul 1, 2051

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953

Mortgage

Document Number	0016120392
Date	Jan 17, 2023
Book Page	1612/392

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Jul 1, 2051

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953

Mortgage

Document Number	0016430036
Date	Sep 13, 2023
Book Page	1643/36

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Jul 1, 2051

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953

Mortgage

Document Number	0017010183
Date	Nov 8, 2024
Book Page	1701/183

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	ASHVILLE, AL 35953

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Jul 1, 2051

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Sep 26, 2025
Property Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953
Document Number	0017490492
Book / Page	1749 / 492
Map Reference	LB 12 FO 82
Instrument Date	Sep 12, 2025
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	ATLANTIC TITLE GROUP, THE ATLANTIC TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$887.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953

Mortgage

Document Number	0001749498
Date	Sep 26, 2025
Instrument	1749/498

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Aug 19, 2019
Property Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953
Document Number	0013710122
Book / Page	1371 / 122
Map Reference	LB 12 FO 82
Instrument Date	Aug 15, 2019
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	EVANS TITLE LLC

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
Relationship	Tenants in Severalty
Address	15 RIDGEWAY DR, RIDGELY, MD 21660-1953

Mortgage

Document Number	0001371127
Date	Aug 19, 2019
Instrument	1371/127

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	$4,060.00 (+7.64%) Homeowner's exemption	$272,900 (+9.07%)	$295,600 (-) Land $35,000 Building $260,600
2025	$3,772.00 (+11.73%)	$250,200 (+13.4%)	$295,600 (+29.93%) Land $35,000 Building $260,600
2023	$3,376.00	$220,633	$227,500 Land $35,000 Building $192,500

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	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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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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