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Single Family ResidenceResidential
$514,453$289 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

10409 ROCKY RIDGE RD

ROCKY RIDGE, MD 21778
2
Baths
1,783 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3.78 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$514K
$462K low$567K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$413,753
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$331,002
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.22%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$80,700
WELLS FARGO BK · recorded Feb 25, 2015
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$20,000
WOODSBORO BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,011 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$397,967 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$363,033
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$432,900

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.61
98
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
88
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
37
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.151 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyFREDERICK
Lot (acres)The size of the land the home sits on, from county records.3.78
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 240 ft²Shed · 224 ft²Patio · 308 ft²Porch · 423 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Thurmont Primary School
Elementary · Grades KG–2 · 4.6 mi
M
Thurmont Middle SchoolC-
Middle · Grades 6–8 · 5.4 mi
H
Catoctin High SchoolB-
High · Grades 9–12 · 6.1 mi

District: Frederick County Public Schools

Neighborhood · ZIP 21778These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.1,439
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.80 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$81,802
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$112,057
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10409 Rocky Ridge Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs more per square foot than 66% of homes in Frederick County
  • Has a bigger lot than 92% of homes in Frederick County
  • Newer than 77% of homes in Rocky Ridge 21778

What homes are worth in Rocky Ridge 21778

Each bar is how many homes fall in that price range. The marker is this home.

This home
$179K$1.2M

This home is worth more than 63% of homes in Rocky Ridge 21778.

How it measures up in Rocky Ridge 21778

The dot is this home. The mark in the middle is the typical home in Rocky Ridge 21778.

Estimated value$514,453
CheaperTypical $433,527Pricier

Pricier than 63% of homes nearby

Price per ft²$289
CheaperTypical $264Pricier

Pricier than 63% of homes nearby

Living area1,783 ft²
SmallerTypical 1,648 ft²Bigger

Bigger than 58% of homes nearby

Lot size3.78 ac
SmallerTypical 3.12 acBigger

Bigger than 53% of homes nearby

Year built1989
OlderTypical 1965Newer

Newer than 77% of homes nearby

How 10409 Rocky Ridge Rd ranks against every home in each area.
MeasureThis homeRocky Ridge 21778Frederick County
Estimated valuepricier than$514,45363% of homes53% of homes
Price per ft²pricier than$28963% of homes66% of homes
Living areabigger than1,783 ft²58% of homes44% of homes
Lot sizebigger than3.78 ac53% of homes92% of homes
Year builtnewer than198977% of homes45% of homes

About 10409 Rocky Ridge Rd

How much is 10409 Rocky Ridge Rd, Rocky Ridge, MD worth?

The TopHap Estimate for 10409 Rocky Ridge Rd, Rocky Ridge, MD is $514,453 as of Jul 14, 2026. The likely range is $461,775 to $567,131. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10409 Rocky Ridge Rd, Rocky Ridge, MD last sell?

10409 Rocky Ridge Rd, Rocky Ridge, MD last sold on Feb 4, 1999, according to the county's recorded deed.

How big is 10409 Rocky Ridge Rd, Rocky Ridge, MD?

10409 Rocky Ridge Rd, Rocky Ridge, MD has 2 bathrooms, 1,783 square feet of living space and a 3.78-acre lot.

When was 10409 Rocky Ridge Rd, Rocky Ridge, MD built?

10409 Rocky Ridge Rd, Rocky Ridge, MD was built in 1989, making it 37 years old. It is a conventional home. The building has 1 story.

What schools serve 10409 Rocky Ridge Rd, Rocky Ridge, MD?

10409 Rocky Ridge Rd, Rocky Ridge, MD is assigned to Thurmont Primary School (elementary); Thurmont Middle School (middle), rated C-; Catoctin High School (high), rated B-. All sit in Frederick County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10409 Rocky Ridge Rd, Rocky Ridge, MD compare to other homes in Rocky Ridge 21778?

Among the 411 homes in Rocky Ridge 21778, it is worth more than 63% of them ($514,453 against a typical $433,527), its price per square foot is higher than 63% of them ($289 against a typical $264), it is bigger than 58% of them (1,783 ft² against a typical 1,648 ft²), its lot is bigger than 53% of them (3.78 ac against a typical 3.12 ac) and it is newer than 77% of them (1989 against a typical 1965). Measured against all of Frederick County, it is worth more than 53% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10409 Rocky Ridge Rd, Rocky Ridge, MD?

The 2025 property tax bill for 10409 Rocky Ridge Rd, Rocky Ridge, MD was $5,011. The county assessed it at $397,967.

More homes on Rocky Ridge Rd

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More homes in Rocky Ridge 21778

Assigned schools

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