32 Ridge Dr, Mc Henry, MD 21541 Property Records

Garrett County property record for 32 Ridge Dr, Mc Henry, MD 21541

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,348 sqft · built 2002
Lot Size	0.573 acres (25,000 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (May 2017)
Tax Bill	$7,067 (2023)
Deeds & Mortgages	Feb 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-070340`

Property Details

APN / Parcel Number

Primary APN	`18-070340`
Alternative APN	`070340`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,348 sqft Total Area
1st Floor Area	1,348 sqft
Basement Area	1,348 sqft
Finished Basement	1,348 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	25,000 sqft (0.573 acres)
Porch	Enclosed Porch
Porch Area	416 sqft
Deck Area	552 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	070340
Street Address	32 RIDGE DR
City	MC HENRY
State	MD
Zip	21541-1776
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25000 SQ FT LOT 11 SOUTHRIDGE SUB DIV
Legal Subdivision	SOUTHRIDGE SUB
Legal Lot Number	11
Jurisdiction	GARRETT MD
Township / Civil Division	6, SANG RUN
Census Block Group	2
Census Block	2035
Census Tract	502

Owner

32 Ridge Dr is owned by an individual who bought it in May 2017.

Source: Garrett County records, as of September 20, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	43916 RIVERPOINT DR, LEESBURG, VA 20176-8200
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
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE ASSURANCE INC
May 16, 2017	Deed, Transfer · Conventional Mortgage MORTGAGE ASSURANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2017 · Amount on File
Deed Sale	May 16, 2017 · Amount on File
Prior Sale	Nov 5, 2012 · Amount on File
Deed Document Number	170601
Deed Book / Page	2006 / 445
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	32 RIDGE DR, MC HENRY, MD 21541-1776
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022840258
Date	Feb 22, 2021
Book Page	2284/258

Lender

Name	MORTGAGE ASSURANCE INC
Type	Mortgage Company
Address	ATLANTA, GA 30338

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRETT MD
Recording Date	May 16, 2017
Property Address	32 RIDGE DR, MC HENRY, MD 21541-1776
Document Number	0020060445
Book / Page	2006 / 0445
Map Reference	MB DKM3 PG51
Instrument Date	May 12, 2017
Instrument	2006-0445
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	DEEP CREEK TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	43916 RIVERPOINT DR, LEESBURG, VA 20176-8200

Mortgage

Document Number	20060448
Date	May 16, 2017
Instrument	2006-0448

Lender

Name	MORTGAGE ASSURANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Garrett County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Garrett County
Unified School District	Garrett County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$7,067.00	$528,200 Land $110,000 Building $418,200	$528,200 Land $110,000 Building $418,200

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

Flood

FEMA maps place 32 Ridge Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 1, 2019 · 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
Nearby Flood Policies	6 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 32 Ridge Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	DEEP CREEK LAKE WATER SERVICE AREA serves 5,502 people · EPA ID MD1111096
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	6 ppb (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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Communications Fiber	1,000 / 1,000
Pogozone powered by Neubeam Fixed Wireless	300 / 40

May also be available: Xfinity.

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