305 Central Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 305 Central Ave, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,574 sqft · built 1860
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Dec 2021)
Tax Bill	$2,999 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-000898`

Property Details

APN / Parcel Number

Primary APN	`07-000898`
Alternative APNs	`7000898` `000898`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,574 sqft Total Area
1st Floor Area	1,466 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Conventional
Exterior Material	Siding Sheathing
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	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	000898
Street Address	305 CENTRAL AVE
City	RIDGELY
State	MD
Zip	21660-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 9,000 SQ FT SW/S CENTRAL AVE RIDGELY
Legal Subdivision	ELIZABETH MARY HIOWARD
Legal Lot Number	9
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2047
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	305 CENTRAL AVE, RIDGELY, MD 21660-2031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Deed, Transfer · FHA Mortgage PRIMELENDING
May 22, 2019	Grant Deed, Transfer · Conventional Mortgage GARNIE C II & SHANNON R DRINNON
Nov 1, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2021 · Amount on Record
Deed Sale	Dec 7, 2021 · Amount on Record
Prior Sale	May 22, 2019 · Amount on Record
Deed Book / Page	1541 / 332
Transfer Doc	0000000740
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Dec 7, 2021
Property Address	305 CENTRAL AVE, RIDGELY, MD 21660-2031
Document Number	0015410332
Book / Page	1541 / 332
Instrument Date	Nov 18, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NOT AVAILABLE, MID ATLANTIC STLMT SVCS 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	Tenants in Severalty
Address	305 CENTRAL AVE, RIDGELY, MD 21660-2031

Mortgage

Document Number	0001541337
Date	Dec 7, 2021
Instrument	1541/337

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	May 22, 2019
Property Address	305 CENTRAL AVE, RIDGELY, MD 21660-2031
Document Number	0013570457
Book / Page	001357 / 000457
Instrument Date	Mar 14, 2019
Transaction Type	Transfer
Record Updated	Jun 5, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79.00
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	2467 CECIL LN HUNTINGTOWN MD 20639, HUNTINGTOWN, MD 20639

Mortgage

Document Number	13570460
Date	May 22, 2019
Book Page	001357/000460

Lender

Name	GARNIE C II & SHANNON R DRINNON
Address	15551 WHARTON RD, GOLDSBORO, MD 21636-1117
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 21, 2029

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Nov 1, 2018
Property Address	305 CENTRAL AVE, RIDGELY, MD 21660-2031
Document Number	0013320428
Book / Page	001332 / 000428
Instrument Date	Nov 1, 2018
Transaction Type	Transfer
Record Updated	Nov 14, 2018

Transaction

Amount	Amount Recorded
Tax	$45.00
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	15181 OAKLAND RD GOLDSBORO MD 216361245, GOLDSBORO, MD 21636-1245

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	$2,999.00 (+7.26%)	$201,633 (+22.9%)	$217,800 (+28.65%) Land $56,900 Building $160,900
2025	$2,796.00 (+11.39%)
2023	$2,510.00	$164,067	$169,300 Land $40,900 Building $128,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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