211 Central Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 211 Central Ave, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,848 sqft · built 1875
Lot Size	0.155 acres (6,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,900 (Dec 2020)
Tax Bill	$4,432 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-000456`

Property Details

APN / Parcel Number

Primary APN	`07-000456`
Alternative APNs	`7000456` `000456`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,848 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,750 sqft (0.155 acres)

Exterior Amenities

Porch	Slab
Porch Area	252 sqft
Shed	1 Shed
Shed Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	000456
Street Address	211 CENTRAL AVE
City	RIDGELY
State	MD
Zip	21660-2032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	6750 SQ FT SW/S CENTRAL AVE RIDGELY
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 August 18, 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	211 CENTRAL AVE, RIDGELY, MD 21660-2032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2020	Deed of Trust, Mortgage · Commercial Mortgage CNB
Nov 16, 2020	Deed of Trust, Mortgage · Conventional with PMI MERIDIAN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2020 · Amount on Record
Deed Sale	Dec 15, 2020 · Amount on Record
Prior Sale	Dec 7, 2005 · Amount on Record
Deed Book / Page	1456 / 497
Transfer Doc	0000001129
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	211 CENTRAL AVE, RIDGELY, MD 21660-2032
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014200207
Date	Jun 12, 2020
Book Page	1420/207

Lender

Name	CNB
Type	Bank
Address	CHESTERTOWN, MD 21620

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Index	5-Year TN

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	211 CENTRAL AVE, RIDGELY, MD 21660-2032
Document Number	0014560504
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	211 CENTRAL AVE RIDGELY MD 21660, RIDGELY, MD 21660

Mortgage

Document Number	0014560504
Date	Dec 15, 2020
Book Page	001456/000504

Lender

Name	MERIDIAN BK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2050

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		$325,267 (+36.61%)	$356,500 (+35.65%) Land $47,200 Building $309,300
2025	$4,432.00 (+21.66%)
2023	$3,643.00	$238,100	$262,800 Land $35,000 Building $227,800

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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