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Single Family ResidenceResidential
$961,730$403 / 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 $960,000 on Jun 18, 2026

2540 RIVER RIDGE TRL

ELLICOTT CITY, MD 21043
4.5
Baths
2,384 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.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
2018
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$962K
$898K low$1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$960,000 · Jun 18, 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.$97,826
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$78,261
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.90%
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.$720,000
GUARANTEED RATE, INC · 6.37% 2 · recorded Jun 18, 2026
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.$143,904
GUARANTEED RATE, INC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,767 (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.$714,200 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$685,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$771,200

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyHOWARD
Lot (acres)The size of the land the home sits on, from county records.0.15
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
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.Deck · 190 ft²Porch · 108 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.

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

E
Hollifield Station Elementary SchoolB
Elementary · Grades KG–5 · 0.2 mi
M
Patapsco Middle SchoolA
Middle · Grades 6–8 · 0.5 mi
H
Mt. Hebron High SchoolA
High · Grades 9–12 · 1.2 mi

District: Howard County Public Schools

Neighborhood · ZIP 21043These 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.86
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 100.44

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.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.8%
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.48,279
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,799 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$138,854
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$163,449
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

2540 River Ridge Trl 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 90% of homes in Ellicott City 21043
  • Costs more per square foot than 93% of homes in Ellicott City 21043
  • Has a smaller lot than 75% of homes in Howard County
  • Newer than 96% of homes in Ellicott City 21043

What homes are worth in Ellicott City 21043

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

This home
$284K$1.1M

This home is worth more than 90% of homes in Ellicott City 21043.

How it measures up in Ellicott City 21043

The dot is this home. The mark in the middle is the typical home in Ellicott City 21043.

Estimated value$961,730
CheaperTypical $638,102Pricier

Pricier than 90% of homes nearby

Price per ft²$403
CheaperTypical $312Pricier

Pricier than 93% of homes nearby

Living area2,384 ft²
SmallerTypical 2,020 ft²Bigger

Bigger than 64% of homes nearby

Lot size0.15 ac
SmallerTypical 0.33 acBigger

Bigger than 26% of homes nearby

Year built2018
OlderTypical 1993Newer

Newer than 96% of homes nearby

How 2540 River Ridge Trl ranks against every home in each area.
MeasureThis homeEllicott City 21043Howard County
Estimated valuepricier than$961,73090% of homes84% of homes
Price per ft²pricier than$40393% of homes92% of homes
Living areabigger than2,384 ft²64% of homes64% of homes
Lot sizebigger than0.15 ac26% of homes25% of homes
Year builtnewer than201896% of homes95% of homes

About 2540 River Ridge Trl

How much is 2540 River Ridge Trl, Ellicott City, MD worth?

The TopHap Estimate for 2540 River Ridge Trl, Ellicott City, MD is $961,730 as of Jul 14, 2026. The likely range is $898,359 to $1,025,101. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2540 River Ridge Trl, Ellicott City, MD last sell?

2540 River Ridge Trl, Ellicott City, MD last sold on Jun 18, 2026 for $960,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 2540 River Ridge Trl, Ellicott City, MD?

2540 River Ridge Trl, Ellicott City, MD has 4.5 bathrooms, 2,384 square feet of living space and a 0.15-acre lot.

When was 2540 River Ridge Trl, Ellicott City, MD built?

2540 River Ridge Trl, Ellicott City, MD was built in 2018, making it 8 years old. The building has 2 stories.

What schools serve 2540 River Ridge Trl, Ellicott City, MD?

2540 River Ridge Trl, Ellicott City, MD is assigned to Hollifield Station Elementary School (elementary), rated B; Patapsco Middle School (middle), rated A; Mt. Hebron High School (high), rated A. All sit in Howard County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2540 River Ridge Trl, Ellicott City, MD compare to other homes in Ellicott City 21043?

Among the 14,448 homes in Ellicott City 21043, it is worth more than 90% of them ($961,730 against a typical $638,102), its price per square foot is higher than 93% of them ($403 against a typical $312), it is bigger than 64% of them (2,384 ft² against a typical 2,020 ft²), its lot is bigger than 26% of them (0.15 ac against a typical 0.33 ac) and it is newer than 96% of them (2018 against a typical 1993). Measured against all of Howard County, it is worth more than 84% 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 2540 River Ridge Trl, Ellicott City, MD?

The 2025 property tax bill for 2540 River Ridge Trl, Ellicott City, MD was $10,767. The county assessed it at $714,200.

More homes on River Ridge Trl

Closest homes

More homes in Ellicott City 21043

Assigned schools

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