221 Ringgold Rd, Fruitland, MD 21826 Property Records

Wicomico County property record for 221 Ringgold Rd, Fruitland, MD 21826

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,104 sqft · built 2018
Lot Size	0.407 acres (17,733 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Dec 2018)
Tax Bill	$2,694 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-047511`

Property Details

APN / Parcel Number

Primary APN	`16-047511`
Alternative APN	`047511`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,104 sqft Total Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	17,733 sqft (0.407 acres)
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	72 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	047511
Street Address	221 RINGGOLD RD
City	FRUITLAND
State	MD
Zip	21826-2241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 22AA 17,733 SQF 221 RINGGOLD RD RESUB L-22A, 23A, 24A RO
Legal Subdivision	ROWENS MILL
Legal Lot Number	221,F
Jurisdiction	WICOMICO MD
Township / Civil Division	16, FRUITLAND
Census Block Group	3
Census Block	3028
Census Tract	10501

Owner

Source: Wicomico County records, as of September 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	221 RINGGOLD RD, FRUITLAND, MD 21826-2241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · FmHA Mortgage GUARANTEED RATE AFFINITY LLC
Nov 22, 2019	Deed of Trust, Mortgage · FHA Mortgage NATIONS LNDG
Dec 14, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage NATIONS LNDG
Dec 29, 2017	Grant Deed, Transfer ATTORNEY ONLY
Dec 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2018 · Amount on File
Deed Sale	Dec 14, 2018 · Amount on File
Deed Book / Page	4413 / 173
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WICOMICO MD
Property Address	221 RINGGOLD RD, FRUITLAND, MD 21826-2241
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 RINGGOLD RD, FRUITLAND, MD 21826-2241

Mortgage

Document Number	0049870150
Date	Nov 19, 2021
Book Page	4987/150

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FmHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Change Frequency	Quarterly
Index	1-Year CMT

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WICOMICO MD
Property Address	221 RINGGOLD RD, FRUITLAND, MD 21826-2241
Document Number	0045630379
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	MID-ATLANTIC SETTLEMENT SERVICES, MID-ATLANTIC SETTLEMENT SVC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	221 RINGGOLD RD FRUITLAND MD 218262241, FRUITLAND, MD 21826-2241

Mortgage

Document Number	0045630379
Date	Dec 6, 2019
Book Page	004563/000379

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2049

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	WICOMICO MD
Recording Date	Dec 14, 2018
Property Address	221 RINGGOLD RD, FRUITLAND, MD 21826-2241
Document Number	0044130173
Book / Page	004413 / 000173
Instrument Date	Dec 7, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 2, 2019
Title Company	MID-ATLANTIC SETTLEMENT SERVICES, MID-ATLANTIC SETTLEMENT SVC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
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	221 RINGGOLD RD FRUITLAND MD 218262241, FRUITLAND, MD 21826-2241

Mortgage

Document Number	44130179
Date	Dec 14, 2018
Book Page	004413/000179

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2048

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WICOMICO MD
Recording Date	Dec 29, 2017
Property Address	221 RINGGOLD RD, FRUITLAND, MD 21826-2241
Document Number	0042720370
Book / Page	004272 / 000370
Instrument Date	Dec 21, 2017
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$10.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1109 ALLEN MD 218101109, ALLEN, MD 21810-1109
Investor	Possibly a Property Investor

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WICOMICO MD
Property Address	221 RINGGOLD RD, FRUITLAND, MD 21826-2241
Document Number	0042680455
Book / Page	004268 / 000455
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	218 E MAIN ST SALISBURY MD 218014923, SALISBURY, MD 21801-4923

Mortgage

Document Number	0042680455
Date	Dec 21, 2017
Book Page	004268/000455

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BALTIMORE, MD 21201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Wicomico County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Wicomico County
Municipality	Fruitland City
Unified School District	Wicomico County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$316,200 (+8.45%) Land $45,000 Building $271,200	$316,200 (-0.72%) Land $45,000 Building $271,200
2025	$2,694.00 (+1.97%) Homeowner's exemption
2023	$2,642.00 Homeowner's exemption	$291,567	$318,500 Land $45,000 Building $273,500

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 April 28, 2022 · 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
Flood Insurance Cost	Premium on File median of 15 individual policies
Nearby Flood Policies	73 units insured incl. 58 condo units
Nearby Flood Claims	4 (2016–2018)
Most Recent Claim	Oct 2018 · river or lake flooding

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 65% of the US · above 71% of Maryland
Wildfire Likelihood	0.04% 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	CITY OF FRUITLAND serves 5,907 people · EPA ID MD0220008
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	6 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	1 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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