401 Central Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 401 Central Ave, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,600 sqft · built 1885
Lot Size	0.413 acres (18,000 sqft)
Owner	Individual Name on Record
Tax Bill	$4,412 (2026)
Deeds & Mortgages	Aug 2022 Mortgage May 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-007493`

Property Details

APN / Parcel Number

Primary APN	`07-007493`
Alternative APNs	`7007493` `007493`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,600 sqft Total Area
Basement Area	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,000 sqft (0.413 acres)
Lot Dimensions	180 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	1,000 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	007493
Street Address	401 CENTRAL AVE
City	RIDGELY
State	MD
Zip	21660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	18000 SQ FT 5 6 SW/S CENTRAL AVE RIDGELY
Legal Subdivision	RIDGLEY
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2048
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	PO BOX 266, RIDGELY, MD 21660-0266
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
May 5, 2022	Intrafamily Transfer, Transfer
Jun 15, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 1999
Deed Sale	Sep 24, 1999
Deed Document Number	1999853
Deed Book / Page	371 / 697
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	401 CENTRAL AVE, RIDGELY, MD 21660
Transaction Type	Mortgage
Record Updated	Sep 7, 2022
Title Company	EASTERN SHORE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015920478
Date	Aug 29, 2022
Book Page	1592/478

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

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

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAROLINE MD
Recording Date	May 5, 2022
Property Address	401 CENTRAL AVE, RIDGELY, MD 21660
Document Number	0015720213
Book / Page	1572 / 213
Instrument Date	May 4, 2022
Transaction Type	Transfer
Record Updated	May 25, 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
Address	PO BOX 286, RIDGELY, MD 21660-0286

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 15, 2020
Property Address	401 CENTRAL AVE, RIDGELY, MD 21660
Document Number	0014200370
Book / Page	001420 / 000370
Instrument Date	Jun 10, 2020
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 266 RIDGELY MD 216600266, RIDGELY, MD 21660-0266

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	$4,412.00 (+8.99%)	$296,567 (+10.44%)	$324,600 (-) Land $65,800 Building $258,800
2025	$4,048.00 (+16.49%)	$268,533 (+18.24%)	$324,600 (+34.97%) Land $65,800 Building $258,800
2023	$3,475.00	$227,100	$240,500 Land $49,800 Building $190,700

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	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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