48968 Curleys Rd, Ridge, MD 20680 Property Records

St. Mary's County property record for 48968 Curleys Rd, Ridge, MD 20680

Property Summary

Property Type	Rural Home
Details	1 ba · 1,322 sqft · built 1935
Lot Size	11.6 acres (509,478 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Dec 2020)
Tax Bill	$3,045 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-019082`

Property Details

APN / Parcel Number

Primary APN	`01-019082`
Alternative APNs	`1019082` `019082`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,322 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	509,478 sqft (11.6 acres)
View / Lot	Waterfront
Porch	Slab
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	019082
Street Address	48968 CURLEYS RD
City	RIDGE
State	MD
Zip	20680-3411
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RPD
Legal Description	11.696 ACRES BARDFIELD
Legal Subdivision	BARDFIELD
Jurisdiction	ST MARY'S MD
Township / Civil Division	1, ST. INIGOES
Census Block Group	4
Census Block	4042
Census Tract	876200

Owner

Source: St. Mary's County records, as of September 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3546 ALTON PL NW, WASHINGTON, DC 20008-4218
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2020 · Amount on Record
Deed Sale	Dec 1, 2020 · Amount on Record
Prior Sale	Dec 16, 1998
Deed Book / Page	5556 / 429
Transfer Doc	0000001737
Record Updated	Oct 29, 2026

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ST MARY'S MD
Recording Date	Dec 1, 2020
Property Address	48968 CURLEYS RD, RIDGE, MD 20680-3411
Document Number	0055560429
Book / Page	5556 / 429
Map Reference	LB 77 FO 96
Instrument Date	Nov 4, 2020
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ASPECT TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3546 ALTON PL NW, WASHINGTON, DC 20008-4218

Mortgage

Document Number	5556434
Date	Dec 1, 2020
Instrument	5556/434

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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		$290,100 (+19.68%) Land $257,600 Building $32,500	$290,100 (+19.68%) Land $257,600 Building $32,500
2025	$3,045.00 (+14.52%)
2023	$2,659.00	$242,400 Land $227,600 Building $14,800	$242,400 Land $227,600 Building $14,800

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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	Hurricane Irene, Aug 2011 · 6 claims Hurricane Isabel, Sep 2003 · 46 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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	Low lower than 64% of the US · above 73% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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