St. Mary's County property record for 48830 Curleys Rd, Ridge, MD 20680
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,008 sqft · built 2013 |
| Lot Size | 4.04 acres (175,982 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $850,000 (May 2025) |
| Tax Bill | $8,735 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 01-005731 |
| Primary APN | 01-005731 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,008 sqft Total Area |
| Basement Area | 900 sqft |
| Finished Basement | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 175,982 sqft (4.04 acres) |
| View / Lot | Waterfront |
| Garage Type | Basement |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 152 sqft |
| Deck Area | 216 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 005731 |
|---|---|
| Street Address | 48830 CURLEYS RD |
| City | RIDGE |
| State | MD |
| Zip | 20680 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | 4.042 ACRES N/S CURLEY'S RD RIDGE |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 4 |
| Census Block | 4042 |
| Census Tract | 876200 |
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 Record |
|---|---|
| Mailing Address | 48830 CURLEYS RD, RIDGE, MD 20680 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2025 · Amount on Record |
| Deed Sale | May 13, 2025 · Amount on Record |
| Prior Sale | Apr 26, 2013 · Amount on Record |
| Deed Book / Page | 6694 / 206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 48830 CURLEYS RD, RIDGE, MD 20680 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0055570052 |
|---|---|
| Date | Dec 2, 2020 |
| Book Page | 5557/52 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 1, 2040 |
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 | $868,900 (+22.54%) Land $385,600 Building $483,300 | $868,900 (+22.54%) Land $385,600 Building $483,300 | |
| 2025 | $8,735.00 (+16.95%) Homeowner's exemption | ||
| 2023 | $7,469.00 | $709,100 Land $345,600 Building $363,500 | $709,100 Land $345,600 Building $363,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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 | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 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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