2 Oak St, Ridgely, MD 21660 Property Records

Caroline County property record for 2 Oak St, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 1996
Lot Size	0.193 acres (8,393 sqft)
Owner	Individual Name on Record
Tax Bill	$2,978 (2026)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-016026`

Property Details

APN / Parcel Number

Primary APN	`07-016026`
Alternative APNs	`7016026` `016026`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,344 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,393 sqft (0.193 acres)
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	016026
Street Address	2 OAK ST
City	RIDGELY
State	MD
Zip	21660-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	8,393 SQ FT LOT 3 SECOND STREET NORTH RIDGELY
Legal Subdivision	DANIEL B FOSTER
Legal Lot Number	3
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2005
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	Individual Name on Record
Mailing Address	2 OAK ST, RIDGELY, MD 21660-2013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2002
Deed Sale	Aug 26, 2002
Prior Sale	Sep 19, 1997 · Amount on Record
Deed Document Number	2002833
Deed Book / Page	453 / 30
Last Transfer Date	Sep 17, 2016
Transfer Doc	0012440289
Record Updated	Oct 29, 2026

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAROLINE MD
Recording Date	Feb 10, 2017
Property Address	2 OAK ST, RIDGELY, MD 21660-2013
Document Number	0012440289
Book / Page	001244 / 000289
Instrument Date	Sep 17, 2016
Transaction Type	Transfer
Record Updated	Apr 14, 2017
Title Company	VANTAGE POINT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2 OAK ST RIDGELY MD 216602013, RIDGELY, MD 21660-2013

Mortgage

Document Number	12440297
Date	Feb 10, 2017
Book Page	001244/000297

Lender

Name	GREENLIGHT LOANS
Type	Funding / Finance Company
Address	DALLAS, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 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	$2,978.00 (+6.81%)	$200,167 (+8.24%)	$215,400 (-) Land $56,300 Building $159,100
2025	$2,788.00 (+15.78%)	$184,933 (+17.49%)	$215,400 (+26.93%) Land $56,300 Building $159,100
2023	$2,408.00	$157,400	$169,700 Land $40,300 Building $129,400

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	1 in force

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF RIDGELY serves 1,600 people · EPA ID MD0050006
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

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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