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Single Family ResidenceResidential
$355,740$256 / 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 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $385,000 on May 15, 2025

10539 ROCKY RIDGE RD

ROCKY RIDGE, MD 21778
2
Baths
1,388 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.
2.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$356K
$295K low$416K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$385,000 · May 15, 2025
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.$28,490
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$22,792
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.92%
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.$327,250
NFM INC · recorded May 15, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,802 (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.$299,033 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$280,167
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$317,900

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
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
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.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Split Foyer
CountyFREDERICK
Lot (acres)The size of the land the home sits on, from county records.2.27
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
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.StableDeck · 264 ft²Shed · 200 ft²Patio · 264 ft²

Transaction History(5)

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 · 4.9 mi
M
Thurmont Middle SchoolC-
Middle · Grades 6–8 · 5.7 mi
H
Catoctin High SchoolB-
High · Grades 9–12 · 6.3 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

10539 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.

  • Worth less than 81% of homes in Frederick County
  • Smaller than 75% of homes in Frederick County
  • Has a bigger lot than 89% of homes in Frederick County
  • Newer than 75% 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 31% 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$355,740
CheaperTypical $433,527Pricier

Pricier than 31% of homes nearby

Price per ft²$256
CheaperTypical $264Pricier

Pricier than 47% of homes nearby

Living area1,388 ft²
SmallerTypical 1,648 ft²Bigger

Bigger than 33% of homes nearby

Lot size2.27 ac
SmallerTypical 3.12 acBigger

Bigger than 41% of homes nearby

Year built1987
OlderTypical 1965Newer

Newer than 75% of homes nearby

How 10539 Rocky Ridge Rd ranks against every home in each area.
MeasureThis homeRocky Ridge 21778Frederick County
Estimated valuepricier than$355,74031% of homes19% of homes
Price per ft²pricier than$25647% of homes43% of homes
Living areabigger than1,388 ft²33% of homes25% of homes
Lot sizebigger than2.27 ac41% of homes89% of homes
Year builtnewer than198775% of homes41% of homes

About 10539 Rocky Ridge Rd

How much is 10539 Rocky Ridge Rd, Rocky Ridge, MD worth?

The TopHap Estimate for 10539 Rocky Ridge Rd, Rocky Ridge, MD is $355,740 as of Jun 23, 2026. The likely range is $295,264 to $416,215. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10539 Rocky Ridge Rd, Rocky Ridge, MD last sell?

10539 Rocky Ridge Rd, Rocky Ridge, MD last sold on May 15, 2025 for $385,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 10539 Rocky Ridge Rd, Rocky Ridge, MD?

10539 Rocky Ridge Rd, Rocky Ridge, MD has 2 bathrooms, 1,388 square feet of living space and a 2.27-acre lot.

When was 10539 Rocky Ridge Rd, Rocky Ridge, MD built?

10539 Rocky Ridge Rd, Rocky Ridge, MD was built in 1987, making it 39 years old. It is a split foyer home. The building has 1 story.

What schools serve 10539 Rocky Ridge Rd, Rocky Ridge, MD?

10539 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 10539 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 31% of them ($355,740 against a typical $433,527), its price per square foot is higher than 47% of them ($256 against a typical $264), it is bigger than 33% of them (1,388 ft² against a typical 1,648 ft²), its lot is bigger than 41% of them (2.27 ac against a typical 3.12 ac) and it is newer than 75% of them (1987 against a typical 1965). Measured against all of Frederick County, it is worth more than 19% 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 10539 Rocky Ridge Rd, Rocky Ridge, MD?

The 2025 property tax bill for 10539 Rocky Ridge Rd, Rocky Ridge, MD was $3,802. The county assessed it at $299,033.

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Assigned schools

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See this home in context

Open 10539 Rocky Ridge Rdon TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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