St. Mary's County property record for 15769 Pratt Rd, Ridge, MD 20680
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,344 sqft · built 1970 |
| Lot Size | 1.16 acres (50,530 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Mar 2017) |
| Tax Bill | $3,507 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 01-023225 |
| Primary APN | 01-023225 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,344 sqft Total Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 50,530 sqft (1.16 acres) |
| View / Lot | Waterfront |
| Deck Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 023225 |
|---|---|
| Street Address | 15769 PRATT RD |
| City | RIDGE |
| State | MD |
| Zip | 20680-3404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | 1.16 ACRES S/S CURLEY'S RD CALVERT BAY |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 4 |
| Census Block | 4042 |
| Census Tract | 876200 |
15769 Pratt Rd is owned and occupied by two individuals who bought it in March 2017.
Source: St. Mary's County records, as of September 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15769 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 |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 26, 2017 | Grant Deed, Transfer · VA Mortgage CORNERSTONE HM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2017 · Amount on File |
| Deed Sale | Mar 16, 2017 · Amount on File |
| Prior Sale | Jul 23, 2012 · Amount on File |
| Deed Document Number | 20174605-206 |
| Deed Book / Page | 4605 / 206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 15769 PRATT RD, RIDGE, MD 20680 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0056160268 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 5616/268 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Mar 26, 2017 |
| Property Address | 15769 PRATT RD, RIDGE, MD 20680 |
| Document Number | 0046050206 |
| Book / Page | 004605 / 000206 |
| Instrument Date | Mar 10, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15769 PRATT RD RIDGE MD 20680, RIDGE, MD 20680 |
| Document Number | 46050213 |
|---|---|
| Date | Mar 26, 2017 |
| Book Page | 004605/000213 |
| Name | CORNERSTONE HM LNDG |
|---|---|
| Address | HOUSTON, TX 77027 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 25, 2047 |
The 2025 property tax bill for 15769 Pratt Rd was $3,507 with a homeowner's exemption.
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 | $354,500 Land $240,400 Building $114,100 | $354,500 Land $240,400 Building $114,100 | |
| 2025 | $3,507.00 Homeowner's exemption | ||
| 2023 | $3,231.00 | $297,900 Land $212,400 Building $85,500 | $297,900 Land $212,400 Building $85,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15769 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 | 6.0 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 15769 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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