406 Maple Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 406 Maple Ave, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,056 sqft · built 1977
Lot Size	0.351 acres (15,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$264,900 (Aug 2023)
Tax Bill	$3,390 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-011563`

Property Details

APN / Parcel Number

Primary APN	`07-011563`
Alternative APNs	`7011563` `011563`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,056 sqft Total Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,300 sqft (0.351 acres)
Lot Dimensions	180 ft deep x 85 ft wide
Garage Type	Detached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	011563
Street Address	406 MAPLE AVE
City	RIDGELY
State	MD
Zip	21660-1907
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15300 SQ FT P9, 10 E/S MAPLE AVENUE RIDGELY
Legal Subdivision	RIDGELY
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2051
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	2 Individual Names on Record
Mailing Address	406 MAPLE AVE, RIDGELY, MD 21660-1907
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · FHA Mortgage COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES
Aug 23, 2023	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Jan 28, 2021	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2023 · Amount on Record
Deed Sale	Aug 23, 2023 · Amount on Record
Prior Sale	Jan 28, 2021 · Amount on Record
Deed Book / Page	1640 / 221
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Recording Date	Apr 10, 2026
Property Address	406 MAPLE AVE, RIDGELY, MD 21660-1907
Document Number	1780000481
Book / Page	1780 / 481
Instrument Date	Mar 31, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 MAPLE AVE, RIDGELY, MD 21660-1907

Mortgage

Document Number	1780000481,
Date	Apr 10, 2026
Book Page	1780/481

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Aug 1, 2053

Interest

Rate	6%
Max Rate	-1%

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Aug 23, 2023
Property Address	406 MAPLE AVE, RIDGELY, MD 21660-1907
Document Number	0016400221
Book / Page	1640 / 221
Map Reference	LB 57 FO 57
Instrument Date	Jul 14, 2023
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	THE ATLANTIC TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$662.25
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	406 MAPLE AVE, RIDGELY, MD 21660-1907

Mortgage

Document Number	0016400227
Date	Aug 23, 2023
Instrument	1640-0227

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Mortgage

Document Number	0016400244
Date	Aug 23, 2023
Book Page	1640/244

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jan 28, 2021
Property Address	406 MAPLE AVE, RIDGELY, MD 21660-1907
Document Number	0014650360
Book / Page	1465 / 360
Map Reference	LB LGH 57 FO 57
Instrument Date	Jan 22, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

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	406 MAPLE AVE, RIDGELY, MD 21660-1907

Mortgage

Document Number	0001465365
Date	Jan 28, 2021
Instrument	1465/365

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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	$3,390.00 (+10.46%)	$227,867 (+11.9%)	$252,100 (-) Land $63,100 Building $189,000
2025	$3,069.00 (+21.45%)	$203,633 (+23.29%)	$252,100 (+40.52%) Land $63,100 Building $189,000
2023	$2,527.00	$165,167	$179,400 Land $47,100 Building $132,300

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	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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