St. Mary's County property record for 16040 Murray Rd, Ridge, MD 20680
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,770 sqft · built 1962 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $375,000 (Dec 2020) |
| Tax Bill | $4,394 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-017217 |
| Primary APN | 01-017217 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,770 sqft Total Area |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| View / Lot | Waterfront |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 540 sqft |
| Deck Area | 176 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 017217 |
|---|---|
| Street Address | 16040 MURRAY RD |
| City | RIDGE |
| State | MD |
| Zip | 20680 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LOTS 6 & 7 SECTION A FISH COMMISSION POND |
| Legal Subdivision | FISH COMMISSION |
| Legal Lot Number | 6,7 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 876200 |
Source: St. Mary's County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 8859 WATER STREET RD, WALKERSVILLE, MD 21793-8804 |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2020 · Amount on Record |
| Deed Sale | Dec 29, 2020 · Amount on Record |
| Deed Book / Page | 5591 / 131 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Recording Date | Dec 29, 2020 |
| Property Address | 16040 MURRAY RD, RIDGE, MD 20680 |
| Document Number | 0055910131 |
| Book / Page | 5591 / 131 |
| Instrument Date | Dec 21, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | SECURITY TTL GUARANTEE CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 8859 WATER STREET RD, WALKERSVILLE, MD 21793-8804 |
| Document Number | 5591144 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 5591/144 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: St. Mary's County assessment roll, as of August 12, 2025
| 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 | $448,700 (+44.7%) Land $290,000 Building $158,700 | $448,700 (+44.7%) Land $290,000 Building $158,700 | |
| 2025 | $4,394.00 (+30.93%) | ||
| 2023 | $3,356.00 | $310,100 Land $247,500 Building $62,600 | $310,100 Land $247,500 Building $62,600 |
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 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 VE, 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 |
|
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 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.
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.
4G LTE only, no 5G reported
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