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Rural ResidenceResidential
$311,778$240 / 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 70How 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 $265,000 on Jan 31, 2020

1040 FRAZEE RIDGE RD

FRIENDSVILLE, MD 21531
2.5
Baths
1,300 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.
23.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$312K
$220K low$404K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$265,000 · Jan 31, 2020
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.168%
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.$253,000
CAKE MORTGAGE CORP · recorded Feb 8, 2023
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.$253,000
CAKE MORTGAGE CORP

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,756 (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.$170,367 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$158,833
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$181,900

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.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
69
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
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.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyGARRETT
Lot (acres)The size of the land the home sits on, from county records.23.27
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.Electric
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 · 182 ft²Shed · 720 ft²Patio · 144 ft²

Transaction History(3)

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
Friendsville Elementary SchoolC
Elementary · Grades PK–5 · 3.0 mi
M
Northern Middle SchoolA-
Middle · Grades 6–8 · 7.3 mi
H
Northern Garrett High SchoolB+
High · Grades 9–12 · 7.5 mi

District: Garrett County Public Schools

Neighborhood · ZIP 21531These 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.135
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 100.33

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.77%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
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.1.3%
PopulationHow many people live in this area.2,252
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.36 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,048
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,551
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

1040 Frazee Ridge 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 more than 79% of homes in Friendsville 21531
  • Costs more per square foot than 85% of homes in Friendsville 21531
  • Has a bigger lot than 93% of homes in Garrett County
  • Newer than 68% of homes in Friendsville 21531

What homes are worth in Friendsville 21531

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

This home
$54K$662K

This home is worth more than 79% of homes in Friendsville 21531.

How it measures up in Friendsville 21531

The dot is this home. The mark in the middle is the typical home in Friendsville 21531.

Estimated value$311,778
CheaperTypical $191,186Pricier

Pricier than 79% of homes nearby

Price per ft²$240
CheaperTypical $148Pricier

Pricier than 85% of homes nearby

Living area1,300 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 47% of homes nearby

Lot size23.27 ac
SmallerTypical 2.11 acBigger

Bigger than 89% of homes nearby

Year built1988
OlderTypical 1975Newer

Newer than 68% of homes nearby

How 1040 Frazee Ridge Rd ranks against every home in each area.
MeasureThis homeFriendsville 21531Garrett County
Estimated valuepricier than$311,77879% of homes50% of homes
Price per ft²pricier than$24085% of homes58% of homes
Living areabigger than1,300 ft²47% of homes36% of homes
Lot sizebigger than23.27 ac89% of homes93% of homes
Year builtnewer than198868% of homes56% of homes

About 1040 Frazee Ridge Rd

How much is 1040 Frazee Ridge Rd, Friendsville, MD worth?

The TopHap Estimate for 1040 Frazee Ridge Rd, Friendsville, MD is $311,778 as of Jul 14, 2026. The likely range is $219,577 to $403,979. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1040 Frazee Ridge Rd, Friendsville, MD last sell?

1040 Frazee Ridge Rd, Friendsville, MD last sold on Jan 31, 2020 for $265,000, according to the county's recorded deed.

How big is 1040 Frazee Ridge Rd, Friendsville, MD?

1040 Frazee Ridge Rd, Friendsville, MD has 2.5 bathrooms, 1,300 square feet of living space and a 23.27-acre lot.

When was 1040 Frazee Ridge Rd, Friendsville, MD built?

1040 Frazee Ridge Rd, Friendsville, MD was built in 1988, making it 38 years old. It is a conventional home. The building has 1 story.

What schools serve 1040 Frazee Ridge Rd, Friendsville, MD?

1040 Frazee Ridge Rd, Friendsville, MD is assigned to Friendsville Elementary School (elementary), rated C; Northern Middle School (middle), rated A-; Northern Garrett High School (high), rated B+. All sit in Garrett County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1040 Frazee Ridge Rd, Friendsville, MD compare to other homes in Friendsville 21531?

Among the 1,210 homes in Friendsville 21531, it is worth more than 79% of them ($311,778 against a typical $191,186), its price per square foot is higher than 85% of them ($240 against a typical $148), it is bigger than 47% of them (1,300 ft² against a typical 1,344 ft²), its lot is bigger than 89% of them (23.27 ac against a typical 2.11 ac) and it is newer than 68% of them (1988 against a typical 1975). Measured against all of Garrett 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 1040 Frazee Ridge Rd, Friendsville, MD?

The 2026 property tax bill for 1040 Frazee Ridge Rd, Friendsville, MD was $1,756. The county assessed it at $170,367.

Closest homes

More homes in Friendsville 21531

Assigned schools

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