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Single Family ResidenceResidential
$395,000$247 / 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 95How 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 $395,000 on Jul 16, 2026

11231 RIVER RD

RIDGELY, MD 21660
2
Baths
1,600 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.
3.65 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
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

$395K
$377K low$413K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$395,000 · Jul 16, 2026
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.$130,000
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$104,000
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.44%
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.$265,000
MORTGAGE DIRECT LLC · 6.48% 2 · recorded Jul 16, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$60 (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.$279,867 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$254,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$331,400

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.58
91
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
75
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
78
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
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.34 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
CountyCAROLINE
Lot (acres)The size of the land the home sits on, from county records.3.65
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
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
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.Shed · 176 ft²Patio · 144 ft²Porch · 384 ft²

Transaction History(3)

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.

H
North Caroline High SchoolC-
High · Grades 9–12 · 0.6 mi
M
Lockerman Middle SchoolC
Middle · Grades 6–8 · 1.8 mi
E
Ridgely Elementary SchoolC+
Elementary · Grades PK–5 · 3.6 mi

District: Caroline County Public Schools

Neighborhood · ZIP 21660These 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.98
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.35

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.7.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.3,884
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.129 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,617
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$93,054
Average tempThe average temperature here across a full year.56°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

11231 River 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 more than 73% of homes in Caroline County
  • Costs more per square foot than 83% of homes in Caroline County
  • Has a bigger lot than 79% of homes in Ridgely 21660

What homes are worth in Ridgely 21660

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

This home
$106K$722K

This home is worth more than 69% of homes in Ridgely 21660.

How it measures up in Ridgely 21660

The dot is this home. The mark in the middle is the typical home in Ridgely 21660.

Estimated value$395,000
CheaperTypical $332,698Pricier

Pricier than 69% of homes nearby

Price per ft²$247
CheaperTypical $196Pricier

Pricier than 82% of homes nearby

Living area1,600 ft²
SmallerTypical 1,648 ft²Bigger

Bigger than 47% of homes nearby

Lot size3.65 ac
SmallerTypical 1 acBigger

Bigger than 79% of homes nearby

Year built1984
OlderTypical 1989Newer

Newer than 44% of homes nearby

How 11231 River Rd ranks against every home in each area.
MeasureThis homeRidgely 21660Caroline County
Estimated valuepricier than$395,00069% of homes73% of homes
Price per ft²pricier than$24782% of homes83% of homes
Living areabigger than1,600 ft²47% of homes50% of homes
Lot sizebigger than3.65 ac79% of homes77% of homes
Year builtnewer than198444% of homes53% of homes

About 11231 River Rd

How much is 11231 River Rd, Ridgely, MD worth?

The TopHap Estimate for 11231 River Rd, Ridgely, MD is $395,000 as of Jul 14, 2026. The likely range is $376,553 to $413,447. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11231 River Rd, Ridgely, MD last sell?

11231 River Rd, Ridgely, MD last sold on Jul 16, 2026 for $395,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 11231 River Rd, Ridgely, MD?

11231 River Rd, Ridgely, MD has 2 bathrooms, 1,600 square feet of living space and a 3.65-acre lot.

When was 11231 River Rd, Ridgely, MD built?

11231 River Rd, Ridgely, MD was built in 1984, making it 42 years old. The building has 1 story.

What schools serve 11231 River Rd, Ridgely, MD?

11231 River Rd, Ridgely, MD is assigned to North Caroline High School (high), rated C-; Lockerman Middle School (middle), rated C; Ridgely Elementary School (elementary), rated C+. All sit in Caroline County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 11231 River Rd, Ridgely, MD compare to other homes in Ridgely 21660?

Among the 1,475 homes in Ridgely 21660, it is worth more than 69% of them ($395,000 against a typical $332,698), its price per square foot is higher than 82% of them ($247 against a typical $196), it is bigger than 47% of them (1,600 ft² against a typical 1,648 ft²), its lot is bigger than 79% of them (3.65 ac against a typical 1 ac) and it is newer than 44% of them (1984 against a typical 1989). Measured against all of Caroline County, it is worth more than 73% 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 11231 River Rd, Ridgely, MD?

The 2025 property tax bill for 11231 River Rd, Ridgely, MD was $60. The county assessed it at $279,867.

More homes on River Rd

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Assigned schools

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