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TownhouseResidential
$294,053$230 / 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 94How 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
Last sold for $151,000 on Mar 22, 2013

108 RATEM DR

WESTMINSTER, MD 21157
2 / 1
Baths
1,280 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.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$294K
$276K low$312K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$151,000 · Mar 22, 2013
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.$36,081
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$28,865
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.87%
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.$148,265
BAY CAPITAL MORTGAGE CORP · E · recorded Mar 22, 2013
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.$109,707
US BK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,007 (2023)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$208,400 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$193,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$223,800

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.31 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.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
StyleThe architectural style of the home, such as ranch or colonial.Townhouse
CountyCarroll
Lot (acres)The size of the land the home sits on, from county records.0.24
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 120 ft²Porch · 80 ft²

Transaction History(4)

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

Foreclosure Filings(1)

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

E
William Winchester Elementary SchoolB+
Elementary · Grades PK–5 · 0.7 mi
M
Westminster East Middle SchoolC+
Middle · Grades 6–8 · 1.2 mi
H
Winters Mill High SchoolA-
High · Grades 9–12 · 1.8 mi

District: Carroll County Public Schools

Neighborhood · ZIP 21157These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.46

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.4%
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.41,419
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.542 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$105,034
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$121,439
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

108 Ratem Dr 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 90% of homes in Carroll County
  • Costs less per square foot than 78% of homes in Carroll County
  • Smaller than 76% of homes in Carroll County
  • Has a smaller lot than 80% of homes in Carroll County
  • Newer than 77% of homes in Westminster 21157

What homes are worth in Westminster 21157

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

This home
$210K$939K

This home is worth more than 12% of homes in Westminster 21157.

How it measures up in Westminster 21157

The dot is this home. The mark in the middle is the typical home in Westminster 21157.

Estimated value$294,053
CheaperTypical $452,101Pricier

Pricier than 12% of homes nearby

Price per ft²$230
CheaperTypical $265Pricier

Pricier than 23% of homes nearby

Living area1,280 ft²
SmallerTypical 1,735 ft²Bigger

Bigger than 25% of homes nearby

Lot size0.24 ac
SmallerTypical 0.64 acBigger

Bigger than 21% of homes nearby

Year built1995
OlderTypical 1979Newer

Newer than 77% of homes nearby

How 108 Ratem Dr ranks against every home in each area.
MeasureThis homeWestminster 21157Carroll County
Estimated valuepricier than$294,05312% of homes10% of homes
Price per ft²pricier than$23023% of homes22% of homes
Living areabigger than1,280 ft²25% of homes24% of homes
Lot sizebigger than0.24 ac21% of homes20% of homes
Year builtnewer than199577% of homes71% of homes

About 108 Ratem Dr

How much is 108 Ratem Dr, Westminster, MD worth?

The TopHap Estimate for 108 Ratem Dr, Westminster, MD is $294,053 as of Jul 14, 2026. The likely range is $276,242 to $311,864. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 108 Ratem Dr, Westminster, MD last sell?

108 Ratem Dr, Westminster, MD last sold on Mar 22, 2013 for $151,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 108 Ratem Dr, Westminster, MD?

108 Ratem Dr, Westminster, MD has 2 bathrooms, 1,280 square feet of living space and a 0.24-acre lot.

When was 108 Ratem Dr, Westminster, MD built?

108 Ratem Dr, Westminster, MD was built in 1995, making it 31 years old. It is a townhouse home. The building has 2 stories.

What schools serve 108 Ratem Dr, Westminster, MD?

108 Ratem Dr, Westminster, MD is assigned to William Winchester Elementary School (elementary), rated B+; Westminster East Middle School (middle), rated C+; Winters Mill High School (high), rated A-. All sit in Carroll County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 108 Ratem Dr, Westminster, MD compare to other homes in Westminster 21157?

Among the 12,551 homes in Westminster 21157, it is worth more than 12% of them ($294,053 against a typical $452,101), its price per square foot is higher than 23% of them ($230 against a typical $265), it is bigger than 25% of them (1,280 ft² against a typical 1,735 ft²), its lot is bigger than 21% of them (0.24 ac against a typical 0.64 ac) and it is newer than 77% of them (1995 against a typical 1979). Measured against all of Carroll County, it is worth more than 10% 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 108 Ratem Dr, Westminster, MD?

The 2023 property tax bill for 108 Ratem Dr, Westminster, MD was $2,007. The county assessed it at $208,400.

More homes on Ratem Dr

Closest homes

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Assigned schools

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