St. Mary's County property record for 48808 Curleys Rd, Ridge, MD 20680
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,558 sqft · built 1987 |
| Lot Size | 4.94 acres (215,186 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $55,000 (Jan 1987) |
| Tax Bill | $5,174 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-035916 |
| Primary APN | 01-035916 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,558 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 215,186 sqft (4.94 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 441 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 035916 |
|---|---|
| Street Address | 48808 CURLEYS RD |
| City | RIDGE |
| State | MD |
| Zip | 20680-3412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LOT 1 PLAT 26/52 COX SUB |
| Legal Subdivision | COX SUB |
| Legal Lot Number | 1 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 4 |
| Census Block | 4042 |
| Census Tract | 876200 |
48808 Curleys Rd is owned and occupied by two individuals who bought it in January 1987.
Source: St. Mary's County records, as of September 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48808 CURLEYS RD, RIDGE, MD 20680-3412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 1987 · Amount on File |
| Deed Sale | Jan 12, 1987 · Amount on File |
| Deed Book / Page | 331 / 325 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 48808 CURLEYS RD, RIDGE, MD 20680-3412 |
| Document Number | 0049500143 |
| Instrument Date | Sep 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 48808 CURLEYS RD RIDGE MD 206803412, RIDGE, MD 20680-3412 |
| Document Number | 0049500143 |
|---|---|
| Date | Sep 25, 2018 |
| Book Page | 004950/000143 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 24, 2033 |
The 2025 property tax bill for 48808 Curleys Rd was $5,174 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 | $541,800 Land $314,100 Building $227,700 | $541,800 Land $314,100 Building $227,700 | |
| 2025 | $5,174.00 Homeowner's exemption | ||
| 2023 | $4,754.00 Homeowner's exemption | $445,700 Land $284,100 Building $161,600 | $445,700 Land $284,100 Building $161,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48808 Curleys Rd in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 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 48808 Curleys Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% 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 11 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 |
5G (outdoors only) and 4G LTE
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