4 Oak St, #A, Ridgely, MD 21660 Property Records

Caroline County property record for 4 Oak St, #A, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,168 sqft · built 1996
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$94,444 (Nov 2024)
Tax Bill	$2,712 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-017324`

Property Details

APN / Parcel Number

Primary APN	`07-017324`
Alternative APNs	`7017324` `017324`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,168 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.275 acres)

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	017324
Street Address	4 OAK ST, A
City	RIDGELY
State	MD
Zip	21660-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	12,000 SF L-8 S/S OAK STREET RIDGELY
Legal Lot Number	8
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2005
Census Tract	955201

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4 OAK ST, A, RIDGELY, MD 21660-2013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Nov 26, 2019	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2024 · Amount on Record
Deed Sale	Nov 1, 2024 · Amount on Record
Prior Sale	Nov 26, 2019 · Amount on Record
Deed Book / Page	1700 / 37
Prior Transfer Date	Sep 24, 2024
Prior Transfer Doc	0017000037
Record Updated	Oct 29, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAROLINE MD
Recording Date	Mar 16, 2021
Property Address	4 OAK ST # A, A, RIDGELY, MD 21660-2013
Document Number	0014770185
Book / Page	1477 / 185
Instrument Date	Mar 11, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022

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
Relationship	Tenants in Severalty
Address	4 OAK ST # A, A, RIDGELY, MD 21660-2013

Mortgage

Document Number	0001477440
Date	Mar 16, 2021
Instrument	1477/440

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Nov 26, 2019
Property Address	4 OAK ST # A, A, RIDGELY, MD 21660-2013
Document Number	0013870100
Book / Page	1387 / 100
Instrument Date	Nov 20, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
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 by the Entirety
Address	4 OAK ST # A, A, RIDGELY, MD 21660-2013

Mortgage

Document Number	0001387107
Date	Nov 26, 2019
Instrument	1387/107

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$2,712.00 (+4.07%) Homeowner's exemption	$242,933 (+11.35%)	$267,700 (-) Land $59,900 Building $207,800
2025	$2,606.00 (+9.5%) Homeowner's exemption	$218,167 (+24.22%)	$267,700 (+38.42%) Land $59,900 Building $207,800
2023	$2,380.00 Homeowner's exemption	$175,633	$193,400 Land $43,900 Building $149,500

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	0.01% 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 162 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: Choptank Fiber.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures