16260 Murray Rd, Ridge, MD 20680 Property Records

St. Mary's County property record for 16260 Murray Rd, Ridge, MD 20680

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,048 sqft · built 1964
Lot Size	0.362 acres (15,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$416,000 (Jun 2022)
Tax Bill	$4,494 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`01-014080`

Property Details

APN / Parcel Number

Primary APN	`01-014080`
Alternative APNs	`1014080` `014080`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,048 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,750 sqft (0.362 acres)
View / Lot	Waterfront

Exterior Amenities

Porch	Porch
Porch Area	336 sqft
Shed	1 Shed
Shed Area	768 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	014080
Street Address	16260 MURRAY RD
City	RIDGE
State	MD
Zip	20680-3328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	LOT 16 AND S 1/2 17 FISH POND
Legal Subdivision	SCOTLAND BEACH
Legal Lot Number	16,17
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	2 Individual Names on Record
Mailing Address	2513 12TH ST NW, WASHINGTON, DC 20009-5203
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Sep 28, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
May 30, 2019	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2022 · Amount on Record
Deed Sale	Jun 23, 2022 · Amount on Record
Prior Sale	May 30, 2019 · Amount on Record
Deed Book / Page	6170 / 351
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jun 23, 2022
Property Address	16260 MURRAY RD, RIDGE, MD 20680-3328
Document Number	0061700351
Book / Page	6170 / 351
Map Reference	MB CBC 3 FO 13
Instrument Date	Jun 14, 2022
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	BRIDGEVIEW TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2513 12TH ST NW, WASHINGTON, DC 20009-5203

Mortgage

Document Number	0006170357
Date	Jun 23, 2022
Instrument	6170/357

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	Other
Max Rate	10.5%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	16260 MURRAY RD, RIDGE, MD 20680-3328
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059280126
Date	Sep 28, 2021
Book Page	5928/126

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	ONTARIO, CA 91761

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	May 30, 2019
Property Address	16260 MURRAY RD, RIDGE, MD 20680-3328
Document Number	0050850183
Book / Page	005085 / 000183
Instrument Date	May 24, 2019
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	BRIDGEVIEW TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$262.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16260 MURRAY RD RIDGE MD 206803328, RIDGE, MD 20680-3328

Mortgage

Document Number	50850190
Date	May 30, 2019
Book Page	005085/000190

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2049

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		$452,600 (+36.78%) Land $302,900 Building $149,700	$452,600 (+36.78%) Land $302,900 Building $149,700
2025	$4,494.00 (+25.85%)
2023	$3,571.00	$330,900 Land $260,400 Building $70,500	$330,900 Land $260,400 Building $70,500

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
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 64% of the US · above 73% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 30 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.

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