48765 Smith Dr, Ridge, MD 20680 Property Records

St. Mary's County property record for 48765 Smith Dr, Ridge, MD 20680

Property Summary

Property Type	Residential Vacant Land
Lot Size	2.84 acres (123,710 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Aug 2021)
Tax Bill	$275 (2025)
Deeds & Mortgages	Aug 2021 Sale Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-040375`

Property Details

APN / Parcel Number

Primary APN	`01-040375`
Alternative APNs	`1040375` `040375`

Exterior

Lot Area	123,710 sqft (2.84 acres)

Location & Zoning

Account Number	040375
Street Address	48765 SMITH DR
City	RIDGE
State	MD
Zip	20680
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RPD
Legal Description	PARCEL 785
Legal Subdivision	48755 & 48765 SMITH ROAD
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 August 18, 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	48931 CHISLEYTOWN RD, SAINT INIGOES, MD 20684-3202
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Deed, Transfer
Jun 8, 2020	Grant Deed, Transfer · Conventional with PMI MICHAEL J COTUGNO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Deed Book / Page	5886 / 137
Record Updated	Sep 20, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Aug 19, 2021
Property Address	48765 SMITH DR, RIDGE, MD 20680
Document Number	0058860137
Book / Page	5886 / 137
Map Reference	MB 76 FO 80
Instrument Date	Aug 9, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Tax	$3,150.00
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
Relationship	Joint Tenants with Right of Survivorship
Address	48931 CHISLEYTOWN RD, SAINT INIGOES, MD 20684-3202

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST MARY'S MD
Recording Date	Jun 8, 2020
Property Address	48765 SMITH DR, RIDGE, MD 20680
Document Number	0053620313
Book / Page	005362 / 000313
Instrument Date	May 27, 2020
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48725 BAY FOREST RD LEXINGTON PARK MD 206533417, LEXINGTON PARK, MD 20653-3417

Mortgage

Document Number	53620319
Date	Jun 8, 2020
Book Page	005362/000319

Lender

Name	MICHAEL J COTUGNO
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Jun 7, 2040

Tax Assessment & Valuation

Source: St. Mary's County assessment roll, as of August 12, 2025

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		$27,200 (+12.4%) Land $27,200	$27,200 (+12.4%) Land $27,200
2025	$275.00 (+10.44%)
2023	$249.00	$24,200 Land $24,200	$24,200 Land $24,200

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

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
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	Moderate above 64% of the US · above 93% of Maryland
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 15 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Smith Dr

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