48620 Smith Dr, Ridge, MD 20680 Property Records

St. Mary's County property record for 48620 Smith Dr, Ridge, MD 20680

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,044 sqft · built 1934
Lot Size	5.21 acres (226,948 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Dec 2016)
Tax Bill	$5,536 (2025)
Deeds & Mortgages	Nov 2023 Transfer May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-021664`

Property Details

APN / Parcel Number

Primary APN	`01-021664`
Alternative APNs	`1021664` `021664`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,044 sqft Total Area

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	226,948 sqft (5.21 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	3,009 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	450 sqft
Deck Area	60 sqft
Shed	1 Shed
Shed Area	464 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	021664
Street Address	48620 SMITH DR
City	RIDGE
State	MD
Zip	20680-3011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	PARCEL C PLAT 41/62 SMITH BLAP
Legal Subdivision	MARIE SMITH BOUNDARY LINE
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 · APN 01-021664

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	48620 SMITH DR, RIDGE, MD 20680-3011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2023	Gift Deed, Transfer ACCOMODATION, ACCOMMODATION
May 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage CEDAR POINT FCU
Apr 01, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 02, 2016 · Amount on Record
Deed Sale	Dec 02, 2016 · Amount on Record
Prior Sale	May 31, 1996
Deed Document Number	20164536-468
Deed Book / Page	4536 / 468
Last Transfer Date	Mar 28, 2022
Transfer Doc	0061100048
Record Updated	Sep 20, 2026

November 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	ST MARY'S MD
Recording Date	Nov 22, 2023
Property Address	48620 SMITH DR, RIDGE, MD 20680-3011
Document Number	0064310464
Book / Page	6431 / 464
Map Reference	LB 41 FO 62
Instrument Date	Nov 21, 2023
Transaction Type	Transfer
Record Updated	Dec 19, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	48620 SMITH DR, RIDGE, MD 20680-3011

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	48620 SMITH DR, RIDGE, MD 20680-3011
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48620 SMITH DR, RIDGE, MD 20680-3011

Mortgage

Document Number	0061520482
Date	May 27, 2022
Book Page	6152/482

Lender

Name	CEDAR POINT FCU
Type	Credit Union
Address	LEXINGTON PARK, MD 20653

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST MARY'S MD
Recording Date	Apr 01, 2022
Property Address	48620 SMITH DR, RIDGE, MD 20680-3011
Document Number	0061100048
Book / Page	6110 / 48
Map Reference	LB 41 FO 62
Instrument Date	Mar 28, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	48620 SMITH DR, RIDGE, MD 20680-3011

Tax Assessment & Valuation

Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$697,900 (+9.25%) Land $411,500 Building $286,400	$697,900 (-) Land $411,500 Building $286,400
2025	$5,536.00 (+9.69%) Homeowner's exemption	$638,800 (+22.7%)	$697,900 (+34.06%) Land $411,500 Building $286,400
2023	$5,047.00 Homeowner's exemption	$520,600 Land $361,500 Building $159,100	$520,600 Land $361,500 Building $159,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 14, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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

Wildfire

Wildfire Risk	Moderate above 56% of the US · above 90% of Maryland
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Verizon.

Based on FCC filings for 20 locations within half a mile of this property.

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