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Single Family ResidenceResidential
$305,127$155 / 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 93How 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

12231 RIVER RD

RIDGELY, MD 21660
2
Baths
1,972 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.
1.61 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
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

$305K
$284K low$326K 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.$205,127
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$164,102
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.33%
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.$100,000
MOLTON ALLEN & WILLIAMS MTG CO · R · recorded Nov 29, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,379 (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.$259,033 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$232,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$312,700

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.10 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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyCaroline
Lot (acres)The size of the land the home sits on, from county records.1.61
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Electric
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.Pool, Plastic/Vinyl Lined

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 · 2.5 mi
M
Lockerman Middle SchoolC
Middle · Grades 6–8 · 3.9 mi
E
Greensboro Elementary SchoolB+
Elementary · Grades PK–5 · 3.9 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

12231 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.

  • Costs less per square foot than 75% of homes in Ridgely 21660
  • Bigger than 68% of homes in Caroline County

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 43% 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$305,127
CheaperTypical $332,698Pricier

Pricier than 43% of homes nearby

Price per ft²$155
CheaperTypical $196Pricier

Pricier than 25% of homes nearby

Living area1,972 ft²
SmallerTypical 1,648 ft²Bigger

Bigger than 65% of homes nearby

Lot size1.61 ac
SmallerTypical 1 acBigger

Bigger than 62% of homes nearby

Year built1977
OlderTypical 1989Newer

Newer than 36% of homes nearby

How 12231 River Rd ranks against every home in each area.
MeasureThis homeRidgely 21660Caroline County
Estimated valuepricier than$305,12743% of homes50% of homes
Price per ft²pricier than$15525% of homes29% of homes
Living areabigger than1,972 ft²65% of homes68% of homes
Lot sizebigger than1.61 ac62% of homes61% of homes
Year builtnewer than197736% of homes46% of homes

About 12231 River Rd

How much is 12231 River Rd, Ridgely, MD worth?

The TopHap Estimate for 12231 River Rd, Ridgely, MD is $305,127 as of Jun 23, 2026. The likely range is $283,768 to $326,485. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12231 River Rd, Ridgely, MD last sell?

12231 River Rd, Ridgely, MD last sold on May 22, 2003, according to the county's recorded deed.

How big is 12231 River Rd, Ridgely, MD?

12231 River Rd, Ridgely, MD has 2 bathrooms, 1,972 square feet of living space and a 1.61-acre lot.

When was 12231 River Rd, Ridgely, MD built?

12231 River Rd, Ridgely, MD was built in 1977, making it 49 years old. It is a conventional home. The building has 1 story.

What schools serve 12231 River Rd, Ridgely, MD?

12231 River Rd, Ridgely, MD is assigned to North Caroline High School (high), rated C-; Lockerman Middle School (middle), rated C; Greensboro Elementary School (elementary), rated B+. All sit in Caroline County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12231 River Rd, Ridgely, MD compare to other homes in Ridgely 21660?

Among the 1,475 homes in Ridgely 21660, it is worth more than 43% of them ($305,127 against a typical $332,698), its price per square foot is higher than 25% of them ($155 against a typical $196), it is bigger than 65% of them (1,972 ft² against a typical 1,648 ft²), its lot is bigger than 62% of them (1.61 ac against a typical 1 ac) and it is newer than 36% of them (1977 against a typical 1989). Measured against all of Caroline County, it is worth more than 50% 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 12231 River Rd, Ridgely, MD?

The 2023 property tax bill for 12231 River Rd, Ridgely, MD was $2,379. The county assessed it at $259,033.

More homes on River Rd

Closest homes

More homes in Ridgely 21660

Assigned schools

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