St. Mary's County property record for 16181 Murray Rd, Ridge, MD 20680 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,120 sqft · built 1998 |
| Lot Size | 0.262 acres (11,400 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $380,000 (Dec 2004) |
| Tax Bill | $4,064 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 01-001434 |
| Primary APN | 01-001434 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,120 sqft Total Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,400 sqft (0.262 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 312 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 001434 |
|---|---|
| Street Address | 16181 MURRAY RD |
| City | RIDGE |
| State | MD |
| Zip | 20680 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11,400 SQ FT SECTION G FISH COMMISSION |
| Legal Subdivision | FISH COMMISSION |
| 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 · APN 01-001434
Assessment roll updated August 12, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 2608 HUNTER MILL RD, OAKTON, VA 22124-1508 |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 20, 2004 · Amount on Record |
| Deed Sale | Dec 20, 2004 · Amount on Record |
| Deed Document Number | 20042027 |
| Deed Book / Page | 2422 / 589 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 16181 MURRAY RD, RIDGE, MD 20680 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST EXCEL TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0051900141 |
|---|---|
| Date | Oct 23, 2019 |
| Book Page | 5190/141 |
| Name | POTOMAC MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $393,800 (+20.87%) Land $290,200 Building $103,600 | $393,800 (+20.87%) Land $290,200 Building $103,600 | |
| 2025 | $4,064.00 (+15.52%) | ||
| 2023 | $3,518.00 | $325,800 Land $248,100 Building $77,700 | $325,800 Land $248,100 Building $77,700 |
Source: FEMA National Flood Hazard Layer, St. Mary's County (24037C), updated May 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240378762004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 136 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 30 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G (outdoors only) and 4G LTE
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