48403 Smith Dr, Ridge, MD 20680 Property Records

St. Mary's County property record for 48403 Smith Dr, Ridge, MD 20680

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,456 sqft · built 1975
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on Record
Last Sale	$99,000 (Aug 1988)
Tax Bill	$5,778 (2025)
Flood Zone	Zone X (minimal risk)
APN	`01-000292`

Property Details

APN / Parcel Number

Primary APN	`01-000292`
Alternative APNs	`1000292` `000292`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,456 sqft Total Area
Basement Area	1,019 sqft
Finished Basement	1,019 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	30,492 sqft (0.7 acres)
View / Lot	Waterfront
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	232 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	000292
Street Address	48403 SMITH DR
City	RIDGE
State	MD
Zip	20680
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	30,492 SQ FT END OF SMITH DR RIDGE
Jurisdiction	ST MARY'S MD
Township / Civil Division	1, ST. INIGOES
Census Block Group	1
Census Block	1024
Census Tract	876200

Owner

Source: St. Mary's County records, as of September 22, 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 305, SAINT INIGOES, MD 20684-0305
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 1988 · Amount on Record
Deed Sale	Aug 5, 1988 · Amount on Record
Prior Sale	Feb 20, 1987 · Amount on Record
Deed Book / Page	425 / 75
Last Transfer Date	Mar 19, 2013
Transfer Doc	0038720036
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

Source: St. Mary's County assessment roll, as of September 22, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	St. Mary's County
Unified School District	St. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$567,000 (+6.12%) Land $429,100 Building $137,900	$567,000 (-) Land $429,100 Building $137,900
2025	$5,778.00 (+15.72%)	$534,300 (+13.95%)	$567,000 (+20.92%) Land $429,100 Building $137,900
2023	$4,993.00	$468,900 Land $364,100 Building $104,800	$468,900 Land $364,100 Building $104,800

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 May 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	5 (2003–2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2018 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

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 62% of the US · above 76% of Maryland
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Starlink Satellite	280 / 30