Calvert County property record for 4315 Ridgeway Ter, Prince Frederick, MD 20678
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,056 sqft · built 1992 |
| Lot Size | 0.289 acres (12,586 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (May 2017) |
| Tax Bill | $2,693 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-027178 |
| Primary APN | 02-027178 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,056 sqft Total Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,586 sqft (0.289 acres) |
| Deck Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 027178 |
|---|---|
| Street Address | 4315 RIDGEWAY TER |
| City | PRINCE FREDERICK |
| State | MD |
| Zip | 20678-4427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT 40 BLK B PLAT 3 CHES HGTS |
| Legal Subdivision | CHESAPEAKE HEIGHTS ON THE BAY |
| Legal Block | B |
| Legal Lot Number | 40 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 2, PRINCE FREDERICK |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 860502 |
4315 Ridgeway Ter is owned and occupied by an individual who bought it in May 2017.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4315 RIDGEWAY TER, PRINCE FREDERICK, MD 20678-4427 |
| 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.
| Date | Document |
|---|---|
| Jun 29, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 17, 2017 | Deed of Trust, Transfer · Conventional Mortgage OTHER INSTITUTIONAL LENDERS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2017 · Amount on File |
| Deed Sale | May 2, 2017 · Amount on File |
| Prior Sale | May 2, 2017 · Amount on File |
| Deed Book / Page | 4984 / 487 |
| Transfer Doc | KPS025990614 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 4315 RIDGEWAY TER, PRINCE FREDERICK, MD 20678-4427 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4315 RIDGEWAYTERR, PR FREDERICK, MD 20678 |
| Document Number | 0060050361 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 6005/361 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 312 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 4315 RIDGEWAY TER, PRINCE FREDERICK, MD 20678-4427 |
| Document Number | 0049840467 |
| Instrument Date | Feb 17, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3510 MIA LN PORT REPUBLIC MD 206762004, PORT REPUBLIC, MD 20676-2004 |
| Document Number | 0049840467 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 004984/000467 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Mortgage Company |
| Address | WINTER GARDEN, FL 34777 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 4315 Ridgeway Ter was $2,693 with a homeowner's exemption.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $249,867 (+6.54%) | $265,200 (-) Land $109,600 Building $155,600 | |
| 2025 | $2,693.00 Homeowner's exemption | $234,533 | $265,200 Land $109,600 Building $155,600 |
| 2023 | $2,216.00 Homeowner's exemption | $213,367 | $219,200 Land $109,600 Building $109,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4315 Ridgeway Ter in Zone X, an area of minimal flood risk, though there have been 56 flood claims nearby since 1985.
Source: FEMA National Flood Hazard Layer, effective April 18, 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 |
| Flood Insurance Cost | Premium on File median of 72 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 72 in force |
| Nearby Flood Claims | 56 (1985–2024) |
| Claims Outside the SFHA | 22 of 56 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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 risk around 4315 Ridgeway Ter is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 75% of Maryland |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHESAPEAKE HEIGHTS (BAYSIDE FOREST) serves 1,190 people · EPA ID MD0040018 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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