St. Mary's County property record for 15737 Pratt Rd, Ridge, MD 20680
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,112 sqft · built 2005 |
| Lot Size | 0.75 acres (32,678 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Jan 2025) |
| Tax Bill | $164 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Oct 2025 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 01-025236 |
| Primary APN | 01-025236 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,112 sqft Total Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 32,678 sqft (0.75 acres) |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 96 sqft |
| Deck Area | 156 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 025236 |
|---|---|
| Street Address | 15737 PRATT RD |
| City | RIDGE |
| State | MD |
| Zip | 20680-3404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | 32,678 SQ FT W/S CURLEY'S RD RIDGE |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 4 |
| Census Block | 4042 |
| Census Tract | 876200 |
15737 Pratt Rd is owned and occupied by an individual who bought it in January 2025.
Source: St. Mary's County records, as of September 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15737 PRATT RD, RIDGE, MD 20680-3404 |
| 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.
| Date | Document |
|---|---|
| Aug 19, 2026 | Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE AFFINITY LLC |
| Oct 10, 2025 | Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2025 · Amount on File |
| Deed Sale | Jan 8, 2025 · Amount on File |
| Prior Sale | Jun 26, 2007 · Amount on File |
| Deed Book / Page | 6632 / 360 |
| Prior Transfer Date | Dec 14, 2012 |
| Prior Transfer Doc | 0038250592 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Aug 19, 2026 |
| Property Address | 15737 PRATT RD, RIDGE, MD 20680-3404 |
| Document Number | 6963000436 |
| Book / Page | 6963 / 436 |
| Instrument Date | Aug 10, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | IN TITLE, FIN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Address | 15737 PRATT RD, RIDGE, MD 20680-3404 |
| Document Number | 6963000436, |
|---|---|
| Date | Aug 19, 2026 |
| Book Page | 6963/436 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 15737 PRATT RD, RIDGE, MD 20680-3404 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2025 |
| Title Company | BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC |
| Name | Verified Name |
|---|---|
| Address | 15737 PRATT RD, RIDGE, MD 20680-3404 |
| Document Number | 0067790199 |
|---|---|
| Date | Oct 10, 2025 |
| Book Page | 6779/199 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
The 2025 property tax bill for 15737 Pratt Rd was $164.
Source: St. Mary's County assessment roll, as of September 22, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $503,900 (+7.16%) Land $239,800 Building $264,100 | $503,900 (-) Land $239,800 Building $264,100 | |
| 2025 | $164.00 | $470,233 | $503,900 Land $239,800 Building $264,100 |
| 2023 | $4,313.00 Homeowner's exemption | $402,900 Land $204,800 Building $198,100 | $402,900 Land $204,800 Building $198,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15737 Pratt Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 136 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 136 in force |
| Nearby Flood Claims | 107 (1985–2022) |
| Claims Outside the SFHA | 38 of 107 |
| Most Recent Claim | Oct 2022 · tidal / storm surge |
| Claims by Event |
|
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 15737 Pratt Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Breezeline Cable | 1,000 / 50 |
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