7 Ridgeway Dr, Ridgely, MD 21660 Property Records

Caroline County property record for 7 Ridgeway Dr, Ridgely, MD 21660 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,028 sqft · built 2013
Lot Size	0.23 acres (10,019 sqft)
Owner	Company Name on File
Tax Bill	$3,215 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-032269`

Property Details

APN / Parcel Number

Primary APN	`07-032269`
Alternative APN	`032269`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,028 sqft Total Area
Basement Area	432 sqft
Finished Basement	432 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Basement
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	032269
Street Address	7 RIDGEWAY DR
City	RIDGELY
State	MD
Zip	21660-1953
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10,019 SF L-4 N/S RIDGEWAY DR RIDGEWAY ESTATES
Legal Subdivision	RIDGEWAY ESTATES
Legal Lot Number	4
Jurisdiction	CAROLINE MD
Township / Civil Division	7, RIDGELY
Census Block Group	1
Census Block	1031
Census Tract	955201

Owner

Source: Caroline County records · APN 07-032269

Assessment roll updated August 18, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	7 RIDGEWAY DR, RIDGELY, MD 21660-1953
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 04, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 22, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 18, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Dec 04, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	7 RIDGEWAY DR, RIDGELY, MD 21660-1953
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 RIDGEWAY DR, RIDGELY, MD 21660-1953

Mortgage

Document Number	0017610471
Date	Dec 04, 2025
Book Page	1761/471

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jan 01, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	7 RIDGEWAY DR, RIDGELY, MD 21660-1953
Transaction Type	Mortgage
Record Updated	Dec 08, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015380183
Date	Nov 22, 2021
Book Page	1538/183

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	7 RIDGEWAY DR, RIDGELY, MD 21660-1953
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013660274
Date	Jul 18, 2019
Book Page	1366/274

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	7 RIDGEWAY DR, RIDGELY, MD 21660-1953
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014550097
Date	Dec 04, 2020
Book Page	1455/97

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

Source: Caroline County records · Assessment roll updated August 18, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$232,100 (+20.68%)	$250,900 (+29%) Land $35,000 Building $215,900
2025	$3,215.00 (+9.24%)
2023	$2,943.00	$192,333	$194,500 Land $35,000 Building $159,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Caroline County (24011C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240119552011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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, tidal / storm surge, Hurricane Sandy

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 162 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Choptank Electric Cooperative. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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