Washington County property record for 545 Ridge Ave, Hagerstown, MD 21740
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,275 sqft · built 1905 |
| Lot Size | 0.155 acres (6,749 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $295,000 (Jan 2026) |
| Tax Bill | $1,383 (2026) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage May 2024 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-005690 |
| Primary APN | 03-005690 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,275 sqft Total Area |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,749 sqft (0.155 acres) |
| Lot Dimensions | 138 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 100 sqft |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 005690 |
|---|---|
| Street Address | 545 RIDGE AVE |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-5350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMED |
| Legal Description | 50X138 545 RIDGE AVE |
| Legal Subdivision | WEST END IMPROV CO |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 3, HAGERSTOWN |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 900 |
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 Record |
|---|---|
| Mailing Address | 545 RIDGE AVE, HAGERSTOWN, MD 21740-5350 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Jan 30, 2026 | Deed, Subdivision Related Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC |
| May 2, 2024 | Trustee's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2026 · Amount on Record |
| Deed Sale | Jan 30, 2026 · Amount on Record |
| Prior Sale | Sep 16, 2024 · Amount on Record |
| Deed Book / Page | 7851 / 57 |
| Prior Transfer Date | Mar 11, 2024 |
| Prior Transfer Doc | 0074470326 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Jan 30, 2026 |
| Property Address | 545 RIDGE AVE, HAGERSTOWN, MD 21740-5350 |
| Document Number | 0078510057 |
| Book / Page | 7851 / 57 |
| Map Reference | OR 1 FO 33 |
| Instrument Date | Jan 26, 2026 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 12, 2026 |
| Title Company | LEGACYHOUSE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $737.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 545 RIDGE AVE, HAGERSTOWN, MD 21740-5350 |
| Document Number | 0000785164 |
|---|---|
| Date | Jan 30, 2026 |
| Instrument | 7851/64 |
| Name | FIRST HERITAGE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | May 2, 2024 |
| Property Address | 545 RIDGE AVE, HAGERSTOWN, MD 21740-5350 |
| Document Number | 0074470326 |
| Book / Page | 7447 / 326 |
| Instrument Date | Mar 11, 2024 |
| Transaction Type | Foreclosure |
| Record Updated | May 15, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3501 OLYMPUS BLVD # 5TH50, 5TH50, COPPELL, TX 75019-6156 |
| Investor | Possibly a Property Investor |
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 | $1,383.00 (+40.41%) | $151,767 (+40.4%) | $239,100 (+121.18%) Land $29,300 Building $209,800 |
| 2025 | $985.00 (+8%) | $108,100 (+17.29%) Land $29,300 Building $78,800 | $108,100 (-) Land $29,300 Building $78,800 |
| 2024 | $912.00 (+8.19%) | ||
| 2023 | $843.00 | $92,167 | $108,100 Land $29,300 Building $78,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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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