St. Mary's County property record for 16144 Murray Rd, Ridge, MD 20680
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,031 sqft · built 1963 |
| Lot Size | 0.596 acres (25,968 sqft) |
| Owner | Individual Name on File |
| Last Sale | $585,000 (Sep 2016) |
| Tax Bill | $6,761 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-009699 |
| Primary APN | 01-009699 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,031 sqft Total Area |
| 1st Floor Area | 60 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 25,968 sqft (0.596 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 60 sqft |
| Deck Area | 680 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 009699 |
|---|---|
| Street Address | 16144 MURRAY RD |
| City | RIDGE |
| State | MD |
| Zip | 20680-3302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LTS 9, 10 & 3,898 SF SECTION C PLAT 12/190 & FISH COMMISSION |
| Legal Subdivision | FISH COMMISSION |
| Legal Lot Number | 9,10 |
| 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 assessment roll, as of August 12, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5101 UPTON ST NW, WASHINGTON, DC 20016-1953 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2021 | Deed of Trust, Mortgage · Line of Credit SANDY SPRING BANK |
| May 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 15, 2016 · Amount on Record |
| Deed Sale | Sep 15, 2016 · Amount on Record |
| Prior Sale | Dec 22, 2005 · Amount on Record |
| Deed Book / Page | 4480 / 391 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 16144 MURRAY RD, RIDGE, MD 20680-3302 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | INVESTORS TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 5101 UPTON ST NW, WASHINGTON, DC 20016-1953 |
| Document Number | 0059060217 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 5906/217 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Address | OLNEY, MD 20832 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 16144 MURRAY RD, RIDGE, MD 20680-3302 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | EXCALIBUR TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0057910434 |
|---|---|
| Date | May 27, 2021 |
| Book Page | 5791/434 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 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 | $673,400 (+25.54%) Land $327,400 Building $346,000 | $673,400 (+25.54%) Land $327,400 Building $346,000 | |
| 2025 | $6,761.00 (+18.84%) | ||
| 2023 | $5,689.00 | $536,400 Land $277,400 Building $259,000 | $536,400 Land $277,400 Building $259,000 |
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 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 |
|
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 65% of the US · above 71% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cogeco Cable Holdings II Cable | 1,000 / 50 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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