St. Mary's County property record for 48800 Hatties Ln, Ridge, MD 20680
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 7,106 sqft · built 2025 |
| Lot Size | 2.71 acres (118,048 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (May 1988) |
| Tax Bill | $13,906 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Nov 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-003178 |
| Primary APN | 01-003178 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 7,106 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 118,048 sqft (2.71 acres) |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 2,400 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 48 sqft |
| Shed | 1 Shed |
| Shed Area | 300 sqft |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 003178 |
|---|---|
| Street Address | 48800 HATTIES LN |
| City | RIDGE |
| State | MD |
| Zip | 20680-3418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | 2.712 ACRES |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 4 |
| Census Block | 4042 |
| Census Tract | 876200 |
48800 Hatties Ln is owned and occupied by two individuals who acquired it in April 2025.
Source: St. Mary's County records, as of September 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48800 HATTIES LN, RIDGE, MD 20680-3418 |
| 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 |
|---|---|
| Dec 16, 2025 | Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC |
| Nov 17, 2025 | Deed of Trust, Mortgage · Conventional Mortgage EQUITY RESOURCES INC |
| Jul 24, 2023 | Deed of Trust, Mortgage · Construction Mortgage EQUITY RESOURCES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 1988 · Amount on File |
| Deed Sale | May 2, 1988 · Amount on File |
| Deed Book / Page | 409 / 119 |
| Last Transfer Date | Apr 30, 2025 |
| Transfer Doc | 0066920061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 48800 HATTIES LN, RIDGE, MD 20680-3418 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0068170411 |
|---|---|
| Date | Dec 16, 2025 |
| Book Page | 6817/411 |
| Name | WEST CAPITAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 48800 HATTIES LN, RIDGE, MD 20680-3418 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 48800 HATTIES LN, RIDGE, MD 20680-3418 |
| Document Number | 0068020194 |
|---|---|
| Date | Nov 17, 2025 |
| Book Page | 6802/194 |
| Name | EQUITY RESOURCES INC |
|---|---|
| Type | Mortgage Company |
| Address | NEWARK, OH 43055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | HATTIES LN, MD |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2023 |
| Title Company | BRIDGEVIEW TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 216 PELAGIC LN, SOLOMONS, MD 20688-3147 |
| Document Number | 0063700347 |
|---|---|
| Date | Jul 24, 2023 |
| Book Page | 6370/347 |
| Name | EQUITY RESOURCES INC |
|---|---|
| Type | Mortgage Company |
| Address | NEWARK, OH 43055 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Aug 1, 2054 |
The 2025 property tax bill for 48800 Hatties Ln was $13,906 with a homeowner's exemption.
Source: St. Mary's County assessment roll, as of September 22, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,371,500 (+6.15%) Land $365,600 Building $1,005,900 | $1,371,500 (-) Land $365,600 Building $1,005,900 | |
| 2025 | $13,906.00 Homeowner's exemption | $1,292,067 | $1,371,500 Land $365,600 Building $1,005,900 |
| 2023 | $5,238.00 | $477,100 Land $325,600 Building $151,500 | $477,100 Land $325,600 Building $151,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48800 Hatties Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 VE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 136 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 136 in force |
| Nearby Flood Claims | 107 (1985–2022) |
| Claims Outside the SFHA | 38 of 107 |
| Most Recent Claim | Oct 2022 · 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 48800 Hatties Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Breezeline Cable | 1,000 / 50 |
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