507 Central Ave, Ridgely, MD 21660 Property Records

Caroline County property record for 507 Central Ave, Ridgely, MD 21660

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,064 sqft · built 1956
Lot Size	0.31 acres (13,500 sqft)
Owner	Individual Name on Record
Last Sale	$116,600 (Jun 2016)
Tax Bill	$3,007 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-004869`

Property Details

APN / Parcel Number

Primary APN	`07-004869`
Alternative APNs	`7004869` `004869`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,064 sqft Total Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,500 sqft (0.31 acres)
Lot Dimensions	180 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	520 sqft
Deck Area	392 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	004869
Street Address	507 CENTRAL AVE
City	RIDGELY
State	MD
Zip	21660-2033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C1 R1
Legal Description	13500 SQ FT PT 2,3 SW/S CENTRAL AVE RIDGELY
Legal Subdivision	FIRST ALLEY WEST
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	2
Census Block	2055
Census Tract	955201

Owner

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 Record
Mailing Address	507 CENTRAL AVE, RIDGELY, MD 21660-2033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 18, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2016 · Amount on Record
Deed Sale	Jun 30, 2016 · Amount on Record
Prior Sale	Aug 19, 1988 · Amount on Record
Deed Book / Page	1212 / 343
Prior Transfer Date	Nov 25, 2009
Prior Transfer Doc	0008890031
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	507 CENTRAL AVE, RIDGELY, MD 21660-2033
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 CENTRAL AVE, RIDGELY, MD 21660-2033

Mortgage

Document Number	0017460278
Date	Sep 8, 2025
Book Page	1746/278

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Jun 1, 2052

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	507 CENTRAL AVE, RIDGELY, MD 21660-2033
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015850237
Date	Jul 18, 2022
Book Page	1585/237

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

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	$3,007.00 (+9.58%)	$202,167 (+11.06%)	$222,300 (-) Land $61,300 Building $161,000
2025	$2,744.00 (+20.62%)	$182,033 (+22.42%)	$222,300 (+37.31%) Land $61,300 Building $161,000
2023	$2,275.00	$148,700	$161,900 Land $45,300 Building $116,600

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 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

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 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: T-Mobile.

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