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CondominiumResidential
$481,327$199 / 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 Jul 14, 2026
Last sold for $495,000 on Oct 9, 2025

131 ROCK RIDGE LN

OAKLAND, MD 21550
3.5
Baths
2,422 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.
1,682 ft²
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$481K
$445K low$517K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$495,000 · Oct 9, 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.$111,327
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$89,062
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.76%
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.$370,000
TRUIST BANK · recorded Oct 9, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,902 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$467,700 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$457,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$488,500

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.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
68
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyGARRETT
Lot (acres)The size of the land the home sits on, from county records.0.04
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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 · 351 ft²Porch · 108 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
Broad Ford Elementary SchoolC-
Elementary · Grades PK–6 · 6.6 mi
H
Southern Garrett High SchoolC+
High · Grades 7–12 · 7.6 mi

District: Garrett County Public Schools

Neighborhood · ZIP 21550These 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.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.70%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.13,398
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.65 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,822
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,301
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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

131 Rock Ridge Ln 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 Oakland 21550
  • Bigger than 87% of homes in Oakland 21550
  • Has a smaller lot than 98% of homes in Oakland 21550
  • Newer than 83% of homes in Oakland 21550

What homes are worth in Oakland 21550

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

This home
$72K$2.4M

This home is worth more than 73% of homes in Oakland 21550.

How it measures up in Oakland 21550

The dot is this home. The mark in the middle is the typical home in Oakland 21550.

Estimated value$481,327
CheaperTypical $281,792Pricier

Pricier than 73% of homes nearby

Price per ft²$199
CheaperTypical $187Pricier

Pricier than 54% of homes nearby

Living area2,422 ft²
SmallerTypical 1,495 ft²Bigger

Bigger than 87% of homes nearby

Lot size1,682 ft²
SmallerTypical 1 acBigger

Bigger than 2% of homes nearby

Year built2004
OlderTypical 1981Newer

Newer than 83% of homes nearby

How 131 Rock Ridge Ln ranks against every home in each area.
MeasureThis homeOakland 21550Garrett County
Estimated valuepricier than$481,32773% of homes69% of homes
Price per ft²pricier than$19954% of homes48% of homes
Living areabigger than2,422 ft²87% of homes87% of homes
Lot sizebigger than1,682 ft²2% of homes2% of homes
Year builtnewer than200483% of homes81% of homes

About 131 Rock Ridge Ln

How much is 131 Rock Ridge Ln, Oakland, MD worth?

The TopHap Estimate for 131 Rock Ridge Ln, Oakland, MD is $481,327 as of Jul 14, 2026. The likely range is $445,447 to $517,207. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 131 Rock Ridge Ln, Oakland, MD last sell?

131 Rock Ridge Ln, Oakland, MD last sold on Oct 9, 2025 for $495,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 131 Rock Ridge Ln, Oakland, MD?

131 Rock Ridge Ln, Oakland, MD has 3.5 bathrooms, 2,422 square feet of living space and a 0.04-acre lot.

When was 131 Rock Ridge Ln, Oakland, MD built?

131 Rock Ridge Ln, Oakland, MD was built in 2004, making it 22 years old. It is a condo/apartment home. The building has 2 stories.

What schools serve 131 Rock Ridge Ln, Oakland, MD?

131 Rock Ridge Ln, Oakland, MD is assigned to Broad Ford Elementary School (elementary), rated C-; Southern Garrett High School (high), rated C+. All sit in Garrett County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 131 Rock Ridge Ln, Oakland, MD compare to other homes in Oakland 21550?

Among the 7,978 homes in Oakland 21550, it is worth more than 73% of them ($481,327 against a typical $281,792), its price per square foot is higher than 54% of them ($199 against a typical $187), it is bigger than 87% of them (2,422 ft² against a typical 1,495 ft²), its lot is bigger than 2% of them (1,682 ft² against a typical 1 ac) and it is newer than 83% of them (2004 against a typical 1981). Measured against all of Garrett County, it is worth more than 69% 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 131 Rock Ridge Ln, Oakland, MD?

The 2026 property tax bill for 131 Rock Ridge Ln, Oakland, MD was $5,902. The county assessed it at $467,700.

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