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Single Family ResidenceResidential
$103,290$253 / 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 $69,500 on Sep 29, 2004

45 RATLEDGE LN

CONOWINGO, MD 21918
1
Baths
408 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.
0.28 ac
Lot SizeThe size of the land the home sits on, from county records.
1968
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$103K
$98K low$108K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$69,500 · Sep 29, 2004
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.$18,290
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$14,632
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.79%
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.$73,000
COUNTY BANKING & TRUST CO · P · recorded Sep 29, 2004
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.$12,000
MERCANTILE COUNTY BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$937 (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.$82,233 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$78,067
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$86,400

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.22 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.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
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyCecil
Lot (acres)The size of the land the home sits on, from county records.0.28
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
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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
Conowingo Elementary SchoolB
Elementary · Grades PK–5 · 1.0 mi
H
Perryville High SchoolB
High · Grades 9–12 · 7.3 mi
M
Perryville Middle SchoolC
Middle · Grades 6–8 · 7.8 mi

District: Cecil County Public Schools

Neighborhood · ZIP 21918These 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.110
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 100.65

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.9.0%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.4,371
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.226 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,570
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$101,724
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

45 Ratledge 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.

  • Among the least valuable homes in Conowingo 21918
  • Costs more per square foot than 67% of homes in Cecil County
  • Among the smallest homes in Conowingo 21918
  • Has a smaller lot than 98% of homes in Conowingo 21918
  • Older than 78% of homes in Conowingo 21918

What homes are worth in Conowingo 21918

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

This home
$180K$745K

This home is worth less than almost all homes in Conowingo 21918.

How it measures up in Conowingo 21918

The dot is this home. The mark in the middle is the typical home in Conowingo 21918.

Estimated value$103,290
CheaperTypical $386,496Pricier

Cheaper than almost all homes nearby

Price per ft²$253
CheaperTypical $261Pricier

Pricier than 45% of homes nearby

Living area408 ft²
SmallerTypical 1,440 ft²Bigger

Smaller than almost all homes nearby

Lot size0.28 ac
SmallerTypical 1.13 acBigger

Bigger than 2% of homes nearby

Year built1968
OlderTypical 1988Newer

Newer than 22% of homes nearby

How 45 Ratledge Ln ranks against every home in each area.
MeasureThis homeConowingo 21918Cecil County
Estimated valuepricier than$103,290almost no homes4% of homes
Price per ft²pricier than$25345% of homes67% of homes
Living areabigger than408 ft²almost no homesalmost no homes
Lot sizebigger than0.28 ac2% of homes34% of homes
Year builtnewer than196822% of homes29% of homes

About 45 Ratledge Ln

How much is 45 Ratledge Ln, Conowingo, MD worth?

The TopHap Estimate for 45 Ratledge Ln, Conowingo, MD is $103,290 as of Jul 14, 2026. The likely range is $98,183 to $108,397. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Ratledge Ln, Conowingo, MD last sell?

45 Ratledge Ln, Conowingo, MD last sold on Sep 29, 2004 for $69,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 45 Ratledge Ln, Conowingo, MD?

45 Ratledge Ln, Conowingo, MD has 1 bathrooms, 408 square feet of living space and a 0.28-acre lot.

When was 45 Ratledge Ln, Conowingo, MD built?

45 Ratledge Ln, Conowingo, MD was built in 1968, making it 58 years old. It is a conventional home. The building has 1 story.

What schools serve 45 Ratledge Ln, Conowingo, MD?

45 Ratledge Ln, Conowingo, MD is assigned to Conowingo Elementary School (elementary), rated B; Perryville High School (high), rated B; Perryville Middle School (middle), rated C. All sit in Cecil County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Ratledge Ln, Conowingo, MD compare to other homes in Conowingo 21918?

Among the 1,394 homes in Conowingo 21918, it is worth more than almost none of them ($103,290 against a typical $386,496), its price per square foot is higher than 45% of them ($253 against a typical $261), it is bigger than almost none of them (408 ft² against a typical 1,440 ft²), its lot is bigger than 2% of them (0.28 ac against a typical 1.13 ac) and it is newer than 22% of them (1968 against a typical 1988). Measured against all of Cecil County, it is worth more than 4% 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 45 Ratledge Ln, Conowingo, MD?

The 2025 property tax bill for 45 Ratledge Ln, Conowingo, MD was $937. The county assessed it at $82,233.

More homes on Ratledge Ln

Closest homes

More homes in Conowingo 21918

Assigned schools

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