Caroline County property record for 5 N Central Ave, Ridgely, MD 21660
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,760 sqft · built 1875 |
| Lot Size | 0.334 acres (14,528 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $63,750 (May 1998) |
| Tax Bill | $2,387 (2026) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-005156 |
| Primary APN | 07-005156 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,760 sqft Total Area |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 14,528 sqft (0.334 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 266 sqft |
| Deck Area | 270 sqft |
| Patio Area | 192 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 005156 |
|---|---|
| Street Address | 5 N CENTRAL AVE |
| City | RIDGELY |
| State | MD |
| Zip | 21660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C2 |
| Legal Description | LOT 14528 SQ FT SW/S CENTRAL AVE RIDGELY |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 7, RIDGELY |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 955201 |
5 N Central Ave is owned and occupied by two individuals who bought it in May 1998.
Source: Caroline County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 209, RIDGELY, MD 21660-0209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 1998 · Amount on File |
| Deed Sale | May 28, 1998 · Amount on File |
| Prior Sale | Dec 18, 1989 · Amount on File |
| Deed Document Number | 1998407 |
| Deed Book / Page | 338 / 218 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 5 N CENTRAL AVE, RIDGELY, MD 21660 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 5N CENTRAL AVE, RIDGELY, MD 21660-2022 |
| Document Number | 0015350229 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 1535/229 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 271 Months |
| Due | Jun 1, 2044 |
The 2026 property tax bill for 5 N Central Ave was $2,387 with a homeowner's exemption, up 3.9% from the year before.
Source: Caroline County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Caroline County |
| Municipality | Ridgely Town |
| Unified School District | Caroline County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,387.00 (+3.87%) Homeowner's exemption | $184,300 | $197,700 Land $62,300 Building $135,400 |
| 2025 | $2,298.00 | ||
| 2023 | $2,105.00 Homeowner's exemption | $146,400 | $157,500 Land $46,300 Building $111,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 N Central Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
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 5 N Central Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF RIDGELY serves 1,600 people · EPA ID MD0050006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Choptank Fiber, T-Mobile.
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