301 Central Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 301 Central Ave, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,706 sqft · built 1860
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$189,000 (Dec 2025)
Tax Bill	$2,814 (2026)
Deeds & Mortgages	Oct 2024 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-001126`

Property Details

APN / Parcel Number

Primary APN	`07-001126`
Alternative APNs	`7001126` `001126`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,706 sqft Total Area

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	180 ft deep x 50 ft wide
Porch	Slab
Porch Area	252 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	001126
Street Address	301 CENTRAL AVE
City	RIDGELY
State	MD
Zip	21660-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	9000 SQ FT SW/S CENTRAL AVE RIDGELY
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2047
Census Tract	955201

Owner

301 Central Ave is owned by an individual who bought it in December 2025.

Source: Caroline County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1252 CYNDER CT, ANNAPOLIS, MD 21409-7504
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2024	Deed of Trust, Mortgage · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL LLC
Dec 17, 2025	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 1, 2021	Intrafamily Transfer, Transfer
Jun 29, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2025 · Amount on File
Deed Sale	Dec 17, 2025 · Amount on File
Prior Sale	Aug 26, 1981 · Amount on File
Deed Book / Page	1764 / 37
Prior Transfer Date	Sep 29, 2021
Prior Transfer Doc	0015260054
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	301 CENTRAL AVE, RIDGELY, MD 21660-2031
Transaction Type	Mortgage
Record Updated	Jan 9, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016970139
Date	Oct 15, 2024
Book Page	1697/139

Lender

Name	VELOCITY COMMERCIAL CAPITAL LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Dec 17, 2025
Property Address	301 CENTRAL AVE, RIDGELY, MD 21660-2031
Document Number	0017640037
Book / Page	1764 / 37
Map Reference	LB LHG 57 FO 58
Instrument Date	Dec 2, 2025
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1252 CYNDER CT, ANNAPOLIS, MD 21409-7504

Mortgage

Document Number	0000176443
Date	Dec 17, 2025
Instrument	1764/43

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAROLINE MD
Recording Date	Oct 1, 2021
Property Address	301 CENTRAL AVE, RIDGELY, MD 21660-2031
Document Number	0015260054
Book / Page	1526 / 54
Map Reference	LB LHG 57 FO 58
Instrument Date	Sep 29, 2021
Transaction Type	Transfer
Record Updated	Oct 18, 2021

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
Address	636 HOWARD ST, EASTON, MD 21601-3933

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAROLINE MD
Recording Date	Jun 29, 2021
Property Address	301 CENTRAL AVE, RIDGELY, MD 21660-2031
Document Number	0015050360
Book / Page	1505 / 360
Map Reference	LB LHG57 FO 58
Instrument Date	Jun 28, 2021
Transaction Type	Transfer
Record Updated	Jul 15, 2021

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
Address	636 HOWARD ST, EASTON, MD 21601-3933

Tax Assessment & Valuation

The 2026 property tax bill for 301 Central Ave was $2,814, up 6.7% from the year before.

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	$2,814.00 (+6.71%)	$189,133 (+8.1%)	$203,300 (-) Land $56,900 Building $146,400
2025	$2,637.00 (+8.79%)	$174,967	$203,300 Land $56,900 Building $146,400
2024	$2,424.00 (+6.04%)
2023	$2,286.00	$149,400	$160,800 Land $40,900 Building $119,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 301 Central Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 301 Central Ave is low, with a 0.01% annual chance of 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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