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Single Family ResidenceResidential
$434,197$343 / 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 97How 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 $280,000 on Jan 23, 2017

1198 EMERALD RIDGE DR

WESTMINSTER, MD 21158
2
Baths
1,266 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.
1.52 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$434K
$420K low$448K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$280,000 · Jan 23, 2017
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.$152,397
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$121,918
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.66%
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.$256,800
FREEDOM MORTGAGE CORP · recorded Nov 8, 2021
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.$25,000
SANDY SPRING BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,770 (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.$363,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$135,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$228,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$342,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$363,900

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.Split Foyer
CountyCARROLL
Lot (acres)The size of the land the home sits on, from county records.1.52
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.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 · 80 ft²

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
Westminster Elementary SchoolC-
Elementary · Grades PK–5 · 1.7 mi
M
Westminster East Middle SchoolC+
Middle · Grades 6–8 · 3.2 mi
H
Winters Mill High SchoolA-
High · Grades 9–12 · 4.0 mi

District: Carroll County Public Schools

Neighborhood · ZIP 21158These 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.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.74
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.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.5%
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.21,498
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.288 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$112,468
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$135,145
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.43 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

1198 Emerald Ridge Dr 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 93% of homes in Westminster 21158
  • Smaller than 77% of homes in Carroll County
  • Has a bigger lot than 74% of homes in Carroll County

What homes are worth in Westminster 21158

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

This home
$239K$838K

This home is worth more than 46% of homes in Westminster 21158.

How it measures up in Westminster 21158

The dot is this home. The mark in the middle is the typical home in Westminster 21158.

Estimated value$434,197
CheaperTypical $447,557Pricier

Pricier than 46% of homes nearby

Price per ft²$343
CheaperTypical $251Pricier

Pricier than 93% of homes nearby

Living area1,266 ft²
SmallerTypical 1,757 ft²Bigger

Bigger than 26% of homes nearby

Lot size1.52 ac
SmallerTypical 0.79 acBigger

Bigger than 67% of homes nearby

Year built1987
OlderTypical 1987Newer

Newer than 51% of homes nearby

How 1198 Emerald Ridge Dr ranks against every home in each area.
MeasureThis homeWestminster 21158Carroll County
Estimated valuepricier than$434,19746% of homes40% of homes
Price per ft²pricier than$34393% of homes86% of homes
Living areabigger than1,266 ft²26% of homes23% of homes
Lot sizebigger than1.52 ac67% of homes74% of homes
Year builtnewer than198751% of homes55% of homes

About 1198 Emerald Ridge Dr

How much is 1198 Emerald Ridge Dr, Westminster, MD worth?

The TopHap Estimate for 1198 Emerald Ridge Dr, Westminster, MD is $434,197 as of Jul 14, 2026. The likely range is $420,194 to $448,200. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1198 Emerald Ridge Dr, Westminster, MD last sell?

1198 Emerald Ridge Dr, Westminster, MD last sold on Jan 23, 2017 for $280,000, according to the county's recorded deed.

How big is 1198 Emerald Ridge Dr, Westminster, MD?

1198 Emerald Ridge Dr, Westminster, MD has 2 bathrooms, 1,266 square feet of living space and a 1.52-acre lot.

When was 1198 Emerald Ridge Dr, Westminster, MD built?

1198 Emerald Ridge Dr, Westminster, MD was built in 1987, making it 39 years old. It is a split foyer home. The building has 2 stories.

What schools serve 1198 Emerald Ridge Dr, Westminster, MD?

1198 Emerald Ridge Dr, Westminster, MD is assigned to Westminster Elementary School (elementary), rated C-; Westminster East Middle School (middle), rated C+; Winters Mill High School (high), rated A-. All sit in Carroll County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1198 Emerald Ridge Dr, Westminster, MD compare to other homes in Westminster 21158?

Among the 7,108 homes in Westminster 21158, it is worth more than 46% of them ($434,197 against a typical $447,557), its price per square foot is higher than 93% of them ($343 against a typical $251), it is bigger than 26% of them (1,266 ft² against a typical 1,757 ft²), its lot is bigger than 67% of them (1.52 ac against a typical 0.79 ac) and it is newer than 51% of them (1987 against a typical 1987). Measured against all of Carroll County, it is worth more than 40% 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 1198 Emerald Ridge Dr, Westminster, MD?

The 2025 property tax bill for 1198 Emerald Ridge Dr, Westminster, MD was $3,770. The county assessed it at $363,900.

Closest homes

More homes in Westminster 21158

Assigned schools

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