17 Ridgeway Dr, Ridgely, MD 21660 Property Records

Caroline County property record for 17 Ridgeway Dr, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,736 sqft · built 2017
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Aug 2020)
Tax Bill	$4,255 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-032315`

Property Details

APN / Parcel Number

Primary APN	`07-032315`
Alternative APN	`032315`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,736 sqft Total Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Built-in
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	032315
Street Address	17 RIDGEWAY DR
City	RIDGELY
State	MD
Zip	21660-1953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	10,000 SF L-9 N/S SEWARD RD RIDGEWAY ESTATES
Legal Subdivision	RIDGEWAY ESTATES
Legal Lot Number	9
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1031
Census Tract	955201

Owner

Source: Caroline County records, as of October 20, 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	17 RIDGEWAY DR, RIDGELY, MD 21660-1953
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jun 29, 2017	Grant Deed, Transfer STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2020 · Amount on Record
Deed Sale	Aug 19, 2020 · Amount on Record
Prior Sale	Jun 29, 2017 · Amount on Record
Deed Book / Page	1433 / 160
Record Updated	Oct 29, 2026

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Aug 19, 2020
Property Address	17 RIDGEWAY DR, RIDGELY, MD 21660-1953
Document Number	0014330160
Book / Page	1433 / 160
Map Reference	LB 12 FO 82
Instrument Date	Aug 13, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EASTERN SHORE TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	17 RIDGEWAY DR, RIDGELY, MD 21660-1953

Mortgage

Document Number	0001433166
Date	Aug 19, 2020
Instrument	1433/166

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 29, 2017
Property Address	17 RIDGEWAY DR, RIDGELY, MD 21660-1953
Document Number	0012640259
Book / Page	001264 / 000259
Instrument Date	Jun 22, 2017
Transaction Type	Transfer
Record Updated	Aug 7, 2017
Title Company	TITLE EXCELLENCE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$229.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	17 RIDGEWAY DR RIDGELY MD 216601953, RIDGELY, MD 21660-1953

Mortgage

Document Number	12640265
Date	Jun 29, 2017
Book Page	001264/000265

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2047

Tax Assessment & Valuation

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Caroline County
Municipality	Ridgely Town
Unified School District	Caroline County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,255.00 (+5.22%)	$286,000 (+18.9%)	$303,700 (+21.19%) Land $35,000 Building $268,700
2025	$4,044.00 (+9.89%)
2023	$3,680.00	$240,533	$250,600 Land $35,000 Building $215,600

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 October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1999–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% 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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Choptank Fiber.

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