409 Central Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 409 Central Ave, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,952 sqft · built 1895
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (May 2021)
Tax Bill	$5,409 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-002459`

Property Details

APN / Parcel Number

Primary APN	`07-002459`
Alternative APNs	`7002459` `002459`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,952 sqft Total Area
1st Floor Area	1,313 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Conventional
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	180 ft deep x 50 ft wide
Porch	Slab
Porch Area	483 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	002459
Street Address	409 CENTRAL AVE
City	RIDGELY
State	MD
Zip	21660-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	9000 SQ FT SW/S CENTRAL AVE RIDGELY
Legal Subdivision	RIDGELY
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	2 Individual Names on Record
Mailing Address	409 CENTRAL AVE, RIDGELY, MD 21660-2029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Deed, Transfer · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC
Jun 28, 2018	Grant Deed, Transfer NEWLYN TITLE ASSURANCE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Jun 28, 2018 · Amount on Record
Deed Book / Page	1491 / 282
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	May 7, 2021
Property Address	409 CENTRAL AVE, RIDGELY, MD 21660-2029
Document Number	0014910282
Book / Page	1491 / 282
Map Reference	LB LHG 57 FO 57
Instrument Date	Apr 27, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATLANTIC TITLE GROUP, THE ATLANTIC TITLE GROUP

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	Joint Tenants
Address	409 CENTRAL AVE, RIDGELY, MD 21660-2029

Mortgage

Document Number	0001491288
Date	May 7, 2021
Instrument	1491/288

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 28, 2018
Property Address	409 CENTRAL AVE, RIDGELY, MD 21660-2029
Document Number	0013160280
Book / Page	001316 / 000280
Instrument Date	Jun 22, 2018
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	NEWLYN TITLE ASSURANCE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$35.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	409 CENTRAL AVE RIDGELY MD 21660, RIDGELY, MD 21660

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	$5,409.00 (+9.81%)	$363,600 (+57.84%)	$400,400 (+38.07%) Land $56,900 Building $343,500
2025	$4,926.00 (+39.74%)
2023	$3,525.00	$230,367	$290,000 Land $40,900 Building $249,100

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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