406 Sunset Blvd, Ridgely, MD 21660 Property Records

Caroline County property record for 406 Sunset Blvd, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,405 sqft · built 2023
Lot Size	0.228 acres (9,947 sqft)
Owner	2 Individual Names on File
Last Sale	$339,900 (Dec 2023)
Tax Bill	$4,140 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-045643`

Property Details

APN / Parcel Number

Primary APN	`07-045643`
Alternative APN	`045643`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,405 sqft Total Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,947 sqft (0.228 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	045643
Street Address	406 SUNSET BLVD
City	RIDGELY
State	MD
Zip	21660-2042
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	9,947 SQ FT L-2 E/S SUNSET BLVD RIDGELY
Legal Lot Number	2
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2066
Census Tract	955201

Owner

406 Sunset Blvd is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	406 SUNSET BLVD, RIDGELY, MD 21660-2042
Occupancy	Owner Occupied
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
Mar 4, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 19, 2023	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 8, 2022	Deed, Transfer TITLE EXCELLENCE LLC, TITLE EXCELLENCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2023 · Amount on File
Deed Sale	Dec 19, 2023 · Amount on File
Deed Book / Page	1656 / 184
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	406 SUNSET BLVD, RIDGELY, MD 21660-2042
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SUNSET BLVD, RIDGELY, MD 21660-2042

Mortgage

Document Number	0017750138
Date	Mar 4, 2026
Book Page	1775/138

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2056

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Dec 19, 2023
Property Address	406 SUNSET BLVD, RIDGELY, MD 21660-2042
Document Number	0016560184
Book / Page	1656 / 184
Map Reference	MB FDM 16 FO 13
Instrument Date	Nov 30, 2023
Transaction Type	Transfer
Record Updated	Jan 3, 2024
Title Company	TITLE EXCELLENCE LLC, TITLE EXCELLENCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$849.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	406 SUNSET BLVD, RIDGELY, MD 21660-2042

Mortgage

Document Number	0016560191
Date	Dec 19, 2023
Instrument	1656-0191

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Feb 8, 2022
Property Address	SUNSET BLVD, RIDGELY, MD 21660
Document Number	0015550207
Book / Page	1555 / 207
Map Reference	MB FDM16 FO 13
Instrument Date	Jan 14, 2022
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	TITLE EXCELLENCE LLC, TITLE EXCELLENCE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29349 MAPLE AVE STE 6, 6, TRAPPE, MD 21673-1984

Tax Assessment & Valuation

The 2026 property tax bill for 406 Sunset Blvd was $4,140 with a homeowner's exemption, up 3.8% from the year before.

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	$4,140.00 (+3.84%) Homeowner's exemption	$293,700 (+7.78%)	$314,900 (-) Land $57,900 Building $257,000
2025	$3,987.00 Homeowner's exemption	$272,500	$314,900 Land $57,900 Building $257,000
2023	$459.00	$30,033	$31,900 Land $31,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 406 Sunset Blvd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 406 Sunset Blvd 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	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 121 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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