3 7th St, Ridgely, MD 21660 Property Records

Caroline County property record for 3 7th St, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,120 sqft · built 1992
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jun 2022)
Tax Bill	$3,441 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-015909`

Property Details

APN / Parcel Number

Primary APN	`07-015909`
Alternative APNs	`7015909` `015909`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Total Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Porch	Slab
Porch Area	100 sqft
Deck Area	270 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	015909
Street Address	3 7TH ST
City	RIDGELY
State	MD
Zip	21660-1931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	7500 SQ FT L-17 N/S 7TH STREET GREENRIDGE SUBDV
Legal Subdivision	STREET GREENRIDGE SUB
Legal Lot Number	17
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1054
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	3 7TH ST, RIDGELY, MD 21660-1931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 9, 2022	Deed, Transfer · FHA Mortgage TIDEWATER MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2022 · Amount on Record
Deed Sale	Jun 9, 2022 · Amount on Record
Prior Sale	Sep 28, 2007 · Amount on Record
Deed Book / Page	1578 / 437
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Recording Date	Aug 12, 2026
Property Address	3 7TH ST, RIDGELY, MD 21660-1931
Document Number	1802000035
Book / Page	1802 / 35
Instrument Date	Jul 8, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 7TH ST, RIDGELY, MD 21660-1931

Mortgage

Document Number	1802000035,
Date	Aug 12, 2026
Book Page	1802/35

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Jul 1, 2052

Interest

Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	3 7TH ST, RIDGELY, MD 21660-1931
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0014720126
Date	Feb 25, 2021
Book Page	1472/126

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2050

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 9, 2022
Property Address	3 7TH ST, RIDGELY, MD 21660-1931
Document Number	0015780437
Book / Page	1578 / 437
Map Reference	MB 6 PL 149
Instrument Date	Jun 3, 2022
Transaction Type	Transfer
Record Updated	Jun 20, 2022
Title Company	ATLANTIC TITLE GROUP, THE ATLANTIC TITLE GROUP

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
Address	3 7TH ST, 3, RIDGELY, MD 21660-1931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 7TH ST, RIDGELY, MD 21660-1931

Mortgage

Document Number	0001578443
Date	Jun 9, 2022
Instrument	1578-443

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

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	$3,441.00 (+9.76%)	$231,333 (+36.48%)	$254,700 (+37.97%) Land $52,500 Building $202,200
2025	$3,135.00 (+20.9%)
2023	$2,593.00	$169,500	$184,600 Land $52,500 Building $132,100

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	0.02% 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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