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Single Family ResidenceResidential
$282,180$256 / 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 91How 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 $121,000 on Nov 25, 2003

12 OAK ST

RIDGELY, MD 21660
1
Baths
1,104 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$282K
$256K low$309K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$121,000 · Nov 25, 2003
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.$161,180
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$128,944
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.43%
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.$121,000
COLUMBIA NATIONAL INC · P · recorded Nov 25, 2003

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$195,833 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$173,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$239,900

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.Conventional
CountyCaroline
Lot (acres)The size of the land the home sits on, from county records.0.31
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 168 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.

E
Ridgely Elementary SchoolC+
Elementary · Grades PK–5 · 0.3 mi
H
North Caroline High SchoolC-
High · Grades 9–12 · 3.7 mi
M
Lockerman Middle SchoolC
Middle · Grades 6–8 · 5.1 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

12 Oak St 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 94% of homes in Ridgely
  • Smaller than 87% of homes in Ridgely 21660
  • Has a smaller lot than 76% of homes in Caroline County

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$738K

This home is worth more than 36% 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$282,180
CheaperTypical $334,214Pricier

Pricier than 36% of homes nearby

Price per ft²$256
CheaperTypical $196Pricier

Pricier than 87% of homes nearby

Living area1,104 ft²
SmallerTypical 1,652 ft²Bigger

Bigger than 13% of homes nearby

Lot size0.31 ac
SmallerTypical 1 acBigger

Bigger than 29% of homes nearby

Year built1989
OlderTypical 1989Newer

Newer than 51% of homes nearby

How 12 Oak St ranks against every home in each area.
MeasureThis homeRidgelyRidgely 21660Caroline County
Estimated valuepricier than$282,18053% of homes36% of homes43% of homes
Price per ft²pricier than$25694% of homes87% of homes86% of homes
Living areabigger than1,104 ft²19% of homes13% of homes15% of homes
Lot sizebigger than0.31 ac69% of homes29% of homes24% of homes
Year builtnewer than198955% of homes51% of homes61% of homes

About 12 Oak St

How much is 12 Oak St, Ridgely, MD worth?

The TopHap Estimate for 12 Oak St, Ridgely, MD is $282,180 as of Jul 14, 2026. The likely range is $255,762 to $308,598. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 Oak St, Ridgely, MD last sell?

12 Oak St, Ridgely, MD last sold on Nov 25, 2003 for $121,000, according to the county's recorded deed.

How big is 12 Oak St, Ridgely, MD?

12 Oak St, Ridgely, MD has 1 bathrooms, 1,104 square feet of living space and a 0.31-acre lot.

When was 12 Oak St, Ridgely, MD built?

12 Oak St, Ridgely, MD was built in 1989, making it 37 years old. It is a conventional home. The building has 1 story.

What schools serve 12 Oak St, Ridgely, MD?

12 Oak St, Ridgely, MD is assigned to Ridgely Elementary School (elementary), rated C+; North Caroline High School (high), 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 12 Oak St, Ridgely, MD compare to other homes in Ridgely 21660?

Among the 1,475 homes in Ridgely 21660, it is worth more than 36% of them ($282,180 against a typical $334,214), its price per square foot is higher than 87% of them ($256 against a typical $196), it is bigger than 13% of them (1,104 ft² against a typical 1,652 ft²), its lot is bigger than 29% of them (0.31 ac against a typical 1 ac) and it is newer than 51% of them (1989 against a typical 1989). Measured against all of Caroline County, it is worth more than 43% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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Assigned schools

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