St. Mary's County property record for 49866 Gray Goose Ln, Ridge, MD 20680
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,621 sqft · built 2004 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $165 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-042637 |
| Primary APN | 01-042637 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,621 sqft Total Area |
| 1st Floor Area | 56 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 60,984 sqft (1.4 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 1,120 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 940 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 402 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 042637 |
|---|---|
| Street Address | 49866 GRAY GOOSE LN |
| City | RIDGE |
| State | MD |
| Zip | 20680-3372 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | LOT 500-1 PLAT 45/72 SENTO SIMPL SUBD |
| Legal Subdivision | SENTO SIMPL SUB |
| Legal Lot Number | 1 |
| Jurisdiction | ST MARY'S MD |
| Township / Civil Division | 1, ST. INIGOES |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 876200 |
Source: St. Mary's County records · APN 01-042637
Assessment roll updated August 12, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 335, RIDGE, MD 20680-0335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 26, 2005 |
| Deed Sale | Aug 26, 2005 |
| Prior Sale | Mar 22, 2002 · Amount on Record |
| Deed Document Number | 2005554 |
| Deed Book / Page | 2596 / 674 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST MARY'S MD |
| Property Address | 49866 GRAY GOOSE LN, RIDGE, MD 20680-3372 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | EQUITY SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0054440419 |
|---|---|
| Date | Aug 28, 2020 |
| Book Page | 5444/419 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2050 |
Source: St. Mary's County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | St. Mary's County |
| Unified School District | St. Marys County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $812,700 (+25.61%) Land $349,000 Building $463,700 | $812,700 (+25.61%) Land $349,000 Building $463,700 | |
| 2025 | $165.00 (-97.58%) Homeowner's exemption | ||
| 2023 | $6,829.00 Homeowner's exemption | $647,000 Land $300,000 Building $347,000 | $647,000 Land $300,000 Building $347,000 |
Source: FEMA National Flood Hazard Layer, St. Mary's County (24037C), as of May 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240378762004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless | 2,300 / 2,300 |
| Cogeco Cable Holdings II Cable | 1,000 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 28 locations within half a mile of this property.
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