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Single Family ResidenceResidential
$355,220$231 / 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 92How 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 $135,000 on Mar 10, 1992

11309 CENTRAL AVE

RIDGELY, MD 21660
1.5
Baths
1,536 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.
3 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$355K
$325K low$385K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$135,000 · Mar 10, 1992
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.$235,220
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$188,176
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.33%
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.$120,000
QUEENSTOWN BANK MARYLAND · R · recorded Feb 9, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,033 (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.$308,767 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$283,433
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$334,100

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.14 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.minimal

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
CountyCAROLINE
Lot (acres)The size of the land the home sits on, from county records.3.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Electric
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Vinyl Pool
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.GazeboDeck · 280 ft²Shed · 1,800 ft²Porch · 256 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.

H
North Caroline High SchoolC-
High · Grades 9–12 · 1.5 mi
E
Ridgely Elementary SchoolC+
Elementary · Grades PK–5 · 2.5 mi
M
Lockerman Middle SchoolC
Middle · Grades 6–8 · 2.8 mi

District: Caroline County Public Schools

Neighborhood · ZIP 21660These 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.98
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 100.35

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.7.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.3,884
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.129 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,617
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$93,054
Average tempThe average temperature here across a full year.56°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

11309 Central Ave 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.

  • Costs more per square foot than 76% of homes in Caroline County
  • Has a bigger lot than 76% of homes in Ridgely 21660

What homes are worth in Ridgely 21660

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

This home
$106K$746K

This home is worth more than 56% of homes in Ridgely 21660.

How it measures up in Ridgely 21660

The dot is this home. The mark in the middle is the typical home in Ridgely 21660.

Estimated value$355,220
CheaperTypical $333,820Pricier

Pricier than 56% of homes nearby

Price per ft²$231
CheaperTypical $196Pricier

Pricier than 73% of homes nearby

Living area1,536 ft²
SmallerTypical 1,659 ft²Bigger

Bigger than 41% of homes nearby

Lot size3 ac
SmallerTypical 1 acBigger

Bigger than 76% of homes nearby

Year built1978
OlderTypical 1989Newer

Newer than 37% of homes nearby

How 11309 Central Ave ranks against every home in each area.
MeasureThis homeRidgely 21660Caroline County
Estimated valuepricier than$355,22056% of homes63% of homes
Price per ft²pricier than$23173% of homes76% of homes
Living areabigger than1,536 ft²41% of homes46% of homes
Lot sizebigger than3 ac76% of homes74% of homes
Year builtnewer than197837% of homes47% of homes

About 11309 Central Ave

How much is 11309 Central Ave, Ridgely, MD worth?

The TopHap Estimate for 11309 Central Ave, Ridgely, MD is $355,220 as of Jul 14, 2026. The likely range is $325,223 to $385,217. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11309 Central Ave, Ridgely, MD last sell?

11309 Central Ave, Ridgely, MD last sold on Mar 10, 1992 for $135,000, according to the county's recorded deed.

How big is 11309 Central Ave, Ridgely, MD?

11309 Central Ave, Ridgely, MD has 1.5 bathrooms, 1,536 square feet of living space and a 3.00-acre lot.

When was 11309 Central Ave, Ridgely, MD built?

11309 Central Ave, Ridgely, MD was built in 1978, making it 48 years old. The building has 2 stories.

What schools serve 11309 Central Ave, Ridgely, MD?

11309 Central Ave, Ridgely, MD is assigned to North Caroline High School (high), rated C-; Ridgely Elementary School (elementary), rated C+; Lockerman Middle School (middle), rated C. All sit in Caroline County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 11309 Central Ave, Ridgely, MD compare to other homes in Ridgely 21660?

Among the 1,483 homes in Ridgely 21660, it is worth more than 56% of them ($355,220 against a typical $333,820), its price per square foot is higher than 73% of them ($231 against a typical $196), it is bigger than 41% of them (1,536 ft² against a typical 1,659 ft²), its lot is bigger than 76% of them (3 ac against a typical 1 ac) and it is newer than 37% of them (1978 against a typical 1989). Measured against all of Caroline County, it is worth more than 63% 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 11309 Central Ave, Ridgely, MD?

The 2025 property tax bill for 11309 Central Ave, Ridgely, MD was $3,033. The county assessed it at $308,767.

Closest homes

More homes in Ridgely 21660

Assigned schools

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