48826 Fox Harbor Rd, Ridge, MD 20680 Property Records

St. Mary's County property record for 48826 Fox Harbor Rd, Ridge, MD 20680

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,776 sqft · built 1900
Lot Size	2.31 acres (100,624 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Dec 2017)
Tax Bill	$5,294 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-025112`

Property Details

APN / Parcel Number

Primary APN	`01-025112`
Alternative APNs	`1025112` `025112`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,776 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	100,624 sqft (2.31 acres)
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Deck Area	64 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	025112
Street Address	48826 FOX HARBOR RD
City	RIDGE
State	MD
Zip	20680-3112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	2.31 ACRES DEED JWW 4032/506 BOUNDARY SURVEY
Jurisdiction	ST MARY'S MD
Township / Civil Division	1, ST. INIGOES
Census Block Group	1
Census Block	1025
Census Tract	876200

Owner

48826 Fox Harbor Rd is owned and occupied by two individuals who bought it in December 2017.

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	48826 FOX HARBOR RD, RIDGE, MD 20680-3112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 1, 2017	Deed, Transfer · Conventional Mortgage CEDAR POINT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2017 · Amount on File
Deed Sale	Dec 1, 2017 · Amount on File
Prior Sale	May 6, 2014 · Amount on File
Deed Document Number	20174775-242
Deed Book / Page	4775 / 242
Prior Transfer Date	Jun 20, 2012
Prior Transfer Doc	0037420598
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	48826 FOX HARBOR RD, RIDGE, MD 20680-3112
Transaction Type	Mortgage
Record Updated	Jun 3, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48826 FOX HARBOR RD, RIDGE, MD 20680-3112

Mortgage

Document Number	0056850096
Date	Mar 11, 2021
Book Page	5685/96

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Dec 1, 2017
Property Address	48826 FOX HARBOR RD, RIDGE, MD 20680-3112
Document Number	0047750242
Book / Page	4775 / 242
Map Reference	LB4032 PG506
Instrument Date	Nov 30, 2017
Instrument	4775-242
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	BAY COUNTY TITLE & ESCROW LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	48826 FOX HARBOR RD, RIDGE, MD 20680-3112

Mortgage

Document Number	4775249
Date	Dec 1, 2017
Instrument	4775-249

Lender

Name	CEDAR POINT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 48826 Fox Harbor Rd was $5,294 with a homeowner's exemption.

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		$552,500 (+6.15%) Land $369,600 Building $182,900	$552,500 (-) Land $369,600 Building $182,900
2025	$5,294.00 Homeowner's exemption	$520,500	$552,500 Land $369,600 Building $182,900
2023	$4,866.00 Homeowner's exemption	$456,500 Land $319,600 Building $136,900	$456,500 Land $319,600 Building $136,900

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

Flood

FEMA maps place 48826 Fox Harbor 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
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

Wildfire risk around 48826 Fox Harbor Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 77% of Maryland
Wildfire Likelihood	0.04% 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 17 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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