Caroline County property record for 702 Central Ave, Ridgely, MD 21660
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,104 sqft · built 1998 |
| Lot Size | 0.177 acres (7,705 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $207,500 (Apr 2023) |
| Tax Bill | $3,588 (2026) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-017057 |
| Primary APN | 07-017057 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,104 sqft Total Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,705 sqft (0.177 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 017057 |
|---|---|
| Street Address | 702 CENTRAL AVE |
| City | RIDGELY |
| State | MD |
| Zip | 21660-2148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 7,705 SF LOT 20 E/S CENTRAL AVE EXTENDED OAKVIEW |
| Legal Subdivision | OAKVIEW |
| Legal Lot Number | 20 |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 7, RIDGELY |
| Census Block Group | 1 |
| Census Block | 1076 |
| Census Tract | 955201 |
Source: Caroline County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 702 CENTRAL AVE, RIDGELY, MD 21660-2148 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 11, 2023 | Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Dec 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Sep 7, 2017 | Grant Deed, Transfer FARM SVC AGCY US DEPT/AGRICULT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2023 · Amount on Record |
| Deed Sale | Apr 11, 2023 · Amount on Record |
| Prior Sale | Aug 28, 2008 · Amount on Record |
| Deed Book / Page | 1623 / 434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAROLINE MD |
| Recording Date | Apr 11, 2023 |
| Property Address | 702 CENTRAL AVE, RIDGELY, MD 21660-2148 |
| Document Number | 0016230434 |
| Book / Page | 1623 / 434 |
| Map Reference | LB FDM6 FO 42A |
| Instrument Date | Apr 6, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $518.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 702 CENTRAL AVE, RIDGELY, MD 21660-2148 |
| Document Number | 0016230442 |
|---|---|
| Date | Apr 11, 2023 |
| Book Page | 1623/442 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLE RIVER, MD 21220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 702 CENTRAL AVE, RIDGELY, MD 21660-2148 |
| Document Number | 0013880387 |
| Instrument Date | Dec 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 702 CENTRAL AVE RIDGELY MD 216602148, RIDGELY, MD 21660-2148 |
| Document Number | 0013880387 |
|---|---|
| Date | Dec 5, 2019 |
| Book Page | 001388/000387 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | 9194 LEGION RD, DENTON, MD 21629-3471 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 156 Months |
| Due | Dec 4, 2032 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAROLINE MD |
| Recording Date | Sep 7, 2017 |
| Property Address | 702 CENTRAL AVE, RIDGELY, MD 21660-2148 |
| Document Number | 0012740023 |
| Book / Page | 001274 / 000023 |
| Instrument Date | Aug 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 702 CENTRAL AVE RIDGELY MD 216602148, RIDGELY, MD 21660-2148 |
| Document Number | 12740077 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 001274/000077 |
| Name | FARM SVC AGCY US DEPT/AGRICULT |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Sep 6, 2032 |
Source: Caroline County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Caroline County |
| Municipality | Ridgely Town |
| Unified School District | Caroline County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,588.00 (+10.2%) | $241,167 (+11.63%) | $266,300 (-) Land $50,600 Building $215,700 |
| 2025 | $3,256.00 (+21.31%) | $216,033 (+23.14%) | $266,300 (+39.5%) Land $50,600 Building $215,700 |
| 2023 | $2,684.00 | $175,433 | $190,900 Land $50,600 Building $140,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.02% 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.
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 |
| 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 98 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 |
| Starlink Satellite | 280 / 30 |
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