5 Seward Rd, Ridgely, MD 21660 Property Records

Caroline County property record for 5 Seward Rd, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,538 sqft · built 2017
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$324,000 (Jun 2024)
Tax Bill	$4,247 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-032366`

Property Details

APN / Parcel Number

Primary APN	`07-032366`
Alternative APN	`032366`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,538 sqft Total Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	032366
Street Address	5 SEWARD RD
City	RIDGELY
State	MD
Zip	21660-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	10,000 SF L-14 N/S SEWARD RD RIDGEWAY ESTATES
Legal Subdivision	RIDGEWAY ESTATES
Legal Lot Number	14
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1035
Census Tract	955201

Owner

5 Seward Rd is owned and occupied by an individual who bought it in June 2024.

Source: Caroline County records, as of October 20, 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	Individual Name on File
Mailing Address	5 SEWARD RD, RIDGELY, MD 21660-1324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP
Mar 29, 2021	Deed, Transfer · VA Mortgage ACADEMY MORTGAGE CORP
Jun 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 10, 2017	Grant Deed, Transfer EASTERN MT TITLE COMPANY, EASTERN SHR TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2024 · Amount on File
Deed Sale	Jun 13, 2024 · Amount on File
Prior Sale	Mar 29, 2021 · Amount on File
Deed Book / Page	1679 / 490
Prior Transfer Date	Feb 19, 2020
Prior Transfer Doc	0014220094
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	5 SEWARD RD, RIDGELY, MD 21660-1324
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014800328
Date	Mar 29, 2021
Book Page	1480/328

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Mar 29, 2021
Property Address	5 SEWARD RD, RIDGELY, MD 21660-1324
Document Number	0014800294
Book / Page	1480 / 294
Map Reference	LB 12 FO 82
Instrument Date	Jan 8, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transaction

Amount	Amount 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	5 SEWARD RD, RIDGELY, MD 21660-1324

Mortgage

Document Number	0001480309
Date	Mar 29, 2021
Instrument	1480/309

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAROLINE MD
Recording Date	Jun 24, 2020
Property Address	5 SEWARD RD, RIDGELY, MD 21660-1324
Document Number	0014220094
Book / Page	001422 / 000094
Instrument Date	Feb 19, 2020
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	142 WALNUT ST RIDGELY MD 216601901, RIDGELY, MD 21660-1901

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Jul 10, 2017
Property Address	5 SEWARD RD, RIDGELY, MD 21660-1324
Document Number	0012650412
Book / Page	001265 / 000412
Instrument Date	Jul 6, 2017
Transaction Type	Transfer
Record Updated	Jul 28, 2017
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHR TITLE CO

Transaction

Amount	Amount on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SEWARD RD RIDGELY MD 21660, RIDGELY, MD 21660

Tax Assessment & Valuation

The 2026 property tax bill for 5 Seward Rd was $4,247, up 7% from the year before.

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Caroline County
Municipality	Ridgely Town
Unified School District	Caroline County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,247.00 (+7%)	$285,500 (+8.43%)	$307,700 (-) Land $35,000 Building $272,700
2025	$3,969.00	$263,300	$307,700 Land $35,000 Building $272,700
2023	$3,589.00	$234,567	$241,100 Land $35,000 Building $206,100

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

Flood

FEMA maps place 5 Seward Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

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	2 in force
Nearby Flood Claims	2 (1999–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 5 Seward Rd 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	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 162 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.

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