201 Central Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 201 Central Ave, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,296 sqft · built 1908
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Mar 2024)
Tax Bill	$5,334 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-007205`

Property Details

APN / Parcel Number

Primary APN	`07-007205`
Alternative APNs	`7007205` `007205`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	3,296 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	180 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	422 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	007205
Street Address	201 CENTRAL AVE
City	RIDGELY
State	MD
Zip	21660-2032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	9000 SQ FT SW/S CENTRAL AVE RIDGELY
Legal Subdivision	RIDGELY
Legal Lot Number	6
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2031
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	201 CENTRAL AVE, RIDGELY, MD 21660-2032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2024	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 21, 2022	Deed of Trust, Mortgage · Unknown STATE EMPLOYEES CU OF MARYLAND
Jan 20, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 14, 2021	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Apr 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2024 · Amount on Record
Deed Sale	Mar 29, 2024 · Amount on Record
Prior Sale	Sep 14, 2021 · Amount on Record
Deed Book / Page	1668 / 415
Prior Transfer Date	Apr 12, 2017
Prior Transfer Doc	0012520291
Record Updated	Oct 29, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Mar 29, 2024
Property Address	201 CENTRAL AVE, RIDGELY, MD 21660-2032
Document Number	0016680415
Book / Page	1668 / 415
Map Reference	LB LHG 57 FO 58A
Instrument Date	Mar 28, 2024
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	TIDEMARK TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 CENTRAL AVE, RIDGELY, MD 21660-2032

Mortgage

Document Number	0016680420
Date	Mar 29, 2024
Book Page	1668/420

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	201 CENTRAL AVE, RIDGELY, MD 21660-2032
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015690490
Date	Apr 21, 2022
Book Page	1569/490

Lender

Name	STATE EMPLOYEES CU OF MARYLAND
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Unknown
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2052

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAROLINE MD
Recording Date	Jan 20, 2022
Property Address	201 CENTRAL AVE, RIDGELY, MD 21660-2032
Document Number	0015510235
Book / Page	1551 / 235
Map Reference	LB LHG 57 FO 58A
Instrument Date	Dec 10, 2021
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	201 CENTRAL AVE, RIDGELY, MD 21660-2032

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Sep 14, 2021
Property Address	201 CENTRAL AVE, RIDGELY, MD 21660-2032
Document Number	0015220043
Book / Page	1522 / 43
Map Reference	LB LPG57 FO 58A
Instrument Date	Sep 3, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NOT AVAILABLE, VENTURE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	201 CENTRAL AVENUE, 21860
Investor	Possibly a Property Investor

Mortgage

Document Number	0000152249
Date	Sep 14, 2021
Instrument	1522/49

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

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

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAROLINE MD
Recording Date	Apr 12, 2017
Property Address	201 CENTRAL AVE, RIDGELY, MD 21660-2032
Document Number	0012520291
Book / Page	001252 / 000291
Instrument Date	Apr 12, 2017
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	201 CENTRAL AVE RIDGELY MD 216602032, RIDGELY, MD 21660-2032

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	$5,334.00 (+2.75%) Homeowner's exemption	$358,567 (+4.13%)	$372,800 (-) Land $56,900 Building $315,900
2025	$5,191.00 (+10.4%)	$344,333 (+10.64%)	$372,800 (+12.94%) Land $56,900 Building $315,900
2023	$4,702.00	$311,233	$330,100 Land $40,900 Building $289,200

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 244 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: T-Mobile.

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