Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$278,159$221 / 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 88How 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 $120,000 on Aug 2, 2004

10028 MUMMA FORD RD

ROCKY RIDGE, MD 21778
1
Baths
1,260 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.
5.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$278K
$245K low$312K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$120,000 · Aug 2, 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.$48,159
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$38,527
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.$160,000
WOODSBORO BANK · recorded Aug 30, 2019
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.$70,000
WOODSBORO BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,483 (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.$221,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$92,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$128,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$204,767
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$221,100

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.42
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
88
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
37
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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyFREDERICK
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.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.Shed · 900 ft²Patio · 1,304 ft²Porch · 232 ft²

Transaction History(1)

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.

M
Thurmont Middle SchoolC-
Middle · Grades 6–8 · 4.7 mi
H
Catoctin High SchoolB-
High · Grades 9–12 · 5.0 mi
E
Emmitsburg Elementary SchoolB-
Elementary · Grades KG–5 · 5.3 mi

District: Frederick County Public Schools

Neighborhood · ZIP 21778These 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.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

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.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.1,439
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.80 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$81,802
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$112,057
Average tempThe average temperature here across a full year.53°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

10028 Mumma Ford 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 less than 93% of homes in Frederick County
  • Costs less per square foot than 65% of homes in Rocky Ridge 21778
  • Smaller than 89% of homes in Frederick County
  • Has a bigger lot than 94% of homes in Frederick County
  • Older than 76% of homes in Frederick County

What homes are worth in Rocky Ridge 21778

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

This home
$168K$1.1M

This home is worth more than 13% of homes in Rocky Ridge 21778.

How it measures up in Rocky Ridge 21778

The dot is this home. The mark in the middle is the typical home in Rocky Ridge 21778.

Estimated value$278,159
CheaperTypical $432,780Pricier

Pricier than 13% of homes nearby

Price per ft²$221
CheaperTypical $247Pricier

Pricier than 35% of homes nearby

Living area1,260 ft²
SmallerTypical 1,732 ft²Bigger

Bigger than 21% of homes nearby

Lot size5.1 ac
SmallerTypical 3.01 acBigger

Bigger than 60% of homes nearby

Year built1972
OlderTypical 1962Newer

Newer than 60% of homes nearby

How 10028 Mumma Ford Rd ranks against every home in each area.
MeasureThis homeRocky Ridge 21778Frederick County
Estimated valuepricier than$278,15913% of homes7% of homes
Price per ft²pricier than$22135% of homes45% of homes
Living areabigger than1,260 ft²21% of homes11% of homes
Lot sizebigger than5.1 ac60% of homes94% of homes
Year builtnewer than197260% of homes24% of homes

About 10028 Mumma Ford Rd

How much is 10028 Mumma Ford Rd, Rocky Ridge, MD worth?

The TopHap Estimate for 10028 Mumma Ford Rd, Rocky Ridge, MD is $278,159 as of Jul 14, 2026. The likely range is $244,701 to $311,617. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10028 Mumma Ford Rd, Rocky Ridge, MD last sell?

10028 Mumma Ford Rd, Rocky Ridge, MD last sold on Aug 2, 2004 for $120,000, according to the county's recorded deed.

How big is 10028 Mumma Ford Rd, Rocky Ridge, MD?

10028 Mumma Ford Rd, Rocky Ridge, MD has 1 bathrooms and 1,260 square feet of living space.

When was 10028 Mumma Ford Rd, Rocky Ridge, MD built?

10028 Mumma Ford Rd, Rocky Ridge, MD was built in 1972, making it 54 years old. It is a conventional home. The building has 1 story.

What schools serve 10028 Mumma Ford Rd, Rocky Ridge, MD?

10028 Mumma Ford Rd, Rocky Ridge, MD is assigned to Thurmont Middle School (middle), rated C-; Catoctin High School (high), rated B-; Emmitsburg Elementary School (elementary), rated B-. All sit in Frederick County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10028 Mumma Ford Rd, Rocky Ridge, MD compare to other homes in Rocky Ridge 21778?

Among the 437 homes in Rocky Ridge 21778, it is worth more than 13% of them ($278,159 against a typical $432,780), its price per square foot is higher than 35% of them ($221 against a typical $247), it is bigger than 21% of them (1,260 ft² against a typical 1,732 ft²), its lot is bigger than 60% of them (5.1 ac against a typical 3.01 ac) and it is newer than 60% of them (1972 against a typical 1962). Measured against all of Frederick County, it is worth more than 7% 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 10028 Mumma Ford Rd, Rocky Ridge, MD?

The 2025 property tax bill for 10028 Mumma Ford Rd, Rocky Ridge, MD was $2,483. The county assessed it at $221,100.

More homes on Mumma Ford Rd

Closest homes

More homes in Rocky Ridge 21778

Assigned schools

Explore the area

See this home in context

Open 10028 Mumma Ford Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map