15990 Murray Rd, Ridge, MD 20680 Property Records

St. Mary's County property record for 15990 Murray Rd, Ridge, MD 20680

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,516 sqft · built 2018
Lot Size	1.21 acres (52,708 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Mar 2017)
Tax Bill	$6,420 (2025)
Deeds & Mortgages	Oct 2025 Transfer Aug 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-029258`

Property Details

APN / Parcel Number

Primary APN	`01-029258`
Alternative APNs	`1029258` `029258`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,516 sqft Total Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Construction Type	Frame
Roof Material	Metal
Lot Area	52,708 sqft (1.21 acres)
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	029258
Street Address	15990 MURRAY RD
City	RIDGE
State	MD
Zip	20680-3385
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 500-1 PLAT 75/98 INCL'S LOTS 1 & 2 SECT A FISH COMMISSION
Legal Subdivision	FISH COMMISSION POND PROPERTY
Legal Lot Number	1,2
Jurisdiction	ST MARY'S MD
Township / Civil Division	1, ST. INIGOES
Census Block Group	4
Census Block	4006
Census Tract	876200

Owner

Source: St. Mary's County records, as of September 22, 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	15990 MURRAY RD, RIDGE, MD 20680-3385
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Intrafamily Transfer, Transfer
Aug 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Nov 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BANK
Nov 21, 2017	Deed of Trust, Mortgage · ARM SANDY SPRING BANK
Mar 14, 2017	Deed, Transfer · Conventional Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2017 · Amount on Record
Deed Sale	Mar 14, 2017 · Amount on Record
Prior Sale	May 9, 2005
Deed Document Number	20174604-147
Deed Book / Page	4604 / 147
Last Transfer Date	Oct 16, 2025
Transfer Doc	0067830404
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST MARY'S MD
Recording Date	Oct 20, 2025
Property Address	15990 MURRAY RD, RIDGE, MD 20680-3385
Document Number	0067830404
Book / Page	6783 / 404
Map Reference	LB CBG 2 FO 191
Instrument Date	Oct 1, 2025
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	7211 SOLAR WALK, COLUMBIA, MD 21046-3402

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	15990 MURRAY RD, RIDGE, MD 20680-3385
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15990 MURRAY RD, RIDGE, MD 20680-3385

Mortgage

Document Number	0062090475
Date	Aug 29, 2022
Book Page	6209/475

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	NOTTINGHAM, MD 21236

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 17, 2042

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	15990 MURRAY RD, RIDGE, MD 20680-3385
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	PROPERTY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052120391
Date	Nov 22, 2019
Book Page	5212/391

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	15990 MURRAY RD, RIDGE, MD 20680-3385
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047680413
Date	Nov 21, 2017
Book Page	4768/413
Instrument	4768-413

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Mar 14, 2017
Property Address	15990 MURRAY RD, RIDGE, MD 20680-3385
Document Number	0046040147
Book / Page	4604 / 147
Map Reference	LB CBG2 FO191
Instrument Date	Jan 27, 2017
Instrument	4604-147
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	PREFERRED TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15990 MURRAY RD, RIDGE, MD 20680-3385

Mortgage

Document Number	0004604153
Date	Mar 14, 2017
Instrument	4604-153

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: St. Mary's County assessment roll, as of September 22, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	St. Mary's County
Unified School District	St. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$661,700 (+11.14%) Land $353,100 Building $308,600	$661,700 (-) Land $353,100 Building $308,600
2025	$6,420.00 (+30.2%)	$595,400 (+28.65%)	$661,700 (+42.98%) Land $353,100 Building $308,600
2023	$4,931.00	$462,800 Land $228,100 Building $234,700	$462,800 Land $228,100 Building $234,700

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 May 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Irene, Aug 2011 · 6 claims Hurricane Isabel, Sep 2003 · 46 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

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 93% of the US · lower than 85% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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