Washington County property record for 538 Ridge Ave, Hagerstown, MD 21740
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,428 sqft · built 1911 |
| Lot Size | 0.059 acres (2,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,000 (Jun 2021) |
| Tax Bill | $1,201 (2026) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-007278 |
| Primary APN | 03-007278 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,428 sqft Total Area |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 2,560 sqft (0.059 acres) |
| Lot Dimensions | 128 ft deep x 20 ft wide |
| Porch | Slab |
| Porch Area | 251 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 007278 |
|---|---|
| Street Address | 538 RIDGE AVE |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-5354 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | RMED |
| Legal Description | S 1/2 LOT 9 20X128 538 RIDGE AVE |
| Legal Subdivision | RIDGE AVE |
| Legal Lot Number | 9 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 3, HAGERSTOWN |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 900 |
538 Ridge Ave, a townhouse, is owned and occupied by an individual who bought it in June 2021.
Source: Washington 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 | 538 RIDGE AVE, HAGERSTOWN, MD 21740-5354 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2021 | Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP |
| Jun 18, 2018 | Grant Deed, Transfer · Conventional with PMI NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2021 · Amount on File |
| Deed Sale | Jun 15, 2021 · Amount on File |
| Prior Sale | Jun 18, 2018 · Amount on File |
| Deed Book / Page | 6660 / 173 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jun 15, 2021 |
| Property Address | 538 RIDGE AVE, HAGERSTOWN, MD 21740-5354 |
| Document Number | 0066600173 |
| Book / Page | 6660 / 173 |
| Instrument Date | Jun 10, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | OLDE STONE TITLE, OLDE TOWNE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 538 RIDGE AVE, HAGERSTOWN, MD 21740-5354 |
| Document Number | 0006660181 |
|---|---|
| Date | Jun 15, 2021 |
| Instrument | 6660/181 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jun 18, 2018 |
| Property Address | 538 RIDGE AVE, HAGERSTOWN, MD 21740-5354 |
| Document Number | 0057740132 |
| Book / Page | 005774 / 000132 |
| Instrument Date | Jun 11, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Title Company | TRISTATE SIGNATURE SETTLEMENTS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 11409 COMMONWEALTH DR #301 ROCKVILLE MD 208522834, 301, ROCKVILLE, MD 20852-2834 |
| Document Number | 57740138 |
|---|---|
| Date | Jun 18, 2018 |
| Book Page | 005774/000138 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 17, 2048 |
The 2026 property tax bill for 538 Ridge Ave was $1,201, up 20.3% from the year before.
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Hagerstown City |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,201.00 (+20.34%) | $131,867 (+20.43%) | $176,600 (+61.28%) Land $20,000 Building $156,600 |
| 2025 | $998.00 | $109,500 Land $20,000 Building $89,500 | $109,500 Land $20,000 Building $89,500 |
| 2023 | $839.00 | $91,767 | $109,500 Land $20,000 Building $89,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 538 Ridge Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1991.
Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · 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 |
| Nearby Flood Claims | 6 (1991–1998) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Jun 1998 · rainfall accumulation |
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 538 Ridge Ave is low, with less than 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 98% of the US · lower than 96% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HAGERSTOWN serves 92,200 people · EPA ID MD0210010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 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 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Antietam Cable Cable · Fiber in parts of the area | 1,300 / 50 |
| Point Broadband Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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