4 N Maple Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 4 N Maple Ave, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	1 ba · 864 sqft · built 1977
Lot Size	0.43 acres (18,732 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Sep 2026)
Tax Bill	$2,901 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-005555`

Property Details

APN / Parcel Number

Primary APN	`07-005555`
Alternative APNs	`7005555` `005555`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Total Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,732 sqft (0.43 acres)
Lot Dimensions	253 ft deep x 74 ft wide
Deck Area	180 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	005555
Street Address	4 N MAPLE AVE
City	RIDGELY
State	MD
Zip	21660-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	18,732SQ FT L-1 E/S MAPLE STREET HI-LINE HOMES INC SUB
Legal Subdivision	LINE HOMES INC SUB
Legal Lot Number	1
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2008
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	4 N MAPLE AVE, RIDGELY, MD 21660-1903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed, Transfer · FHA Mortgage PRESIDENTIAL BANK FSB
Apr 25, 2024	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 1, 2023	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jul 10, 2018	Deed of Trust, Mortgage · Commercial Mortgage CNB
Jan 10, 2022	Deed, Transfer · Conventional Mortgage THE QUEENSTOWN BANK OF MARYLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2026 · Amount on Record
Deed Sale	Sep 15, 2026 · Amount on Record
Prior Sale	Apr 25, 2024 · Amount on Record
Deed Document Number	2026
Deed Book / Page	1807 / 56
Prior Transfer Date	May 11, 2015
Prior Transfer Doc	0011550223
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Sep 15, 2026
Property Address	4 N MAPLE AVE, RIDGELY, MD 21660-1903
Document Number	1807000056
Book / Page	1807 / 56
Instrument Date	Jul 13, 2026
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	CHARTER TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$252,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4 N MAPLE AVE, RIDGELY, MD 21660-1903

Mortgage

Document Number	1807000065,
Date	Sep 15, 2026
Book Page	1807/65

Lender

Name	PRESIDENTIAL BANK FSB

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	1807000085,
Date	Sep 15, 2026
Book Page	1807/85

Lender

Name	DEPARTMENT OF HOUSING AND COM

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Apr 25, 2024
Property Address	4 N MAPLE AVE, RIDGELY, MD 21660-1903
Document Number	0016720402
Book / Page	1672 / 402
Map Reference	LB 198 FO 124
Instrument Date	Apr 19, 2024
Transaction Type	Transfer
Record Updated	May 13, 2024
Title Company	TITLE EXCELLENCE LLC, TITLE EXCELLENCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 N MAPLE AVE, RIDGELY, MD 21660-1903

Mortgage

Document Number	0016720408
Date	Apr 25, 2024
Instrument	1672-0408

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	May 1, 2023
Property Address	4 N MAPLE AVE, RIDGELY, MD 21660-1903
Document Number	0016260288
Book / Page	1626 / 288
Map Reference	LB 198 FO 124
Instrument Date	Apr 28, 2023
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$527.50
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	4 N MAPLE AVE, RIDGELY, MD 21660-1903

Mortgage

Document Number	0016260294
Date	May 1, 2023
Instrument	1626-0294

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	4 N MAPLE AVE, RIDGELY, MD 21660-1903
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TITLE EXCELLENCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013170368
Date	Jul 10, 2018
Book Page	1317/368

Lender

Name	CNB
Type	Bank
Address	SAINT MICHAELS, MD 21663

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jan 10, 2022
Property Address	4 N MAPLE AVE, RIDGELY, MD 21660-1903
Document Number	0015480414
Book / Page	1548 / 414
Map Reference	LB 198 FO 124
Instrument Date	Jan 5, 2022
Transaction Type	Transfer
Record Updated	Aug 10, 2022

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
Address	40 N MAPLE AVE # 4, 4, RIDGELY, MD 21660-1903

Mortgage

Document Number	0001548419
Date	Jan 10, 2022
Instrument	1548/419

Lender

Name	THE QUEENSTOWN BANK OF MARYLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.89%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2032
Change Frequency	Annually
Min Rate At Change	3.89%
Max Rate At Change	5.89%
Index	1-Year CMT
Max Rate	8.89%

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	$2,901.00 (+12.57%)	$195,033 (+14.08%)	$219,100 (-) Land $66,500 Building $152,600
2025	$2,577.00 (+24.67%)	$170,967 (+26.52%)	$219,100 (+49.15%) Land $66,500 Building $152,600
2023	$2,067.00	$135,133	$146,900 Land $50,500 Building $96,400

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	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	0.02% 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	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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