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Single Family ResidenceResidential
$288,666$301 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $175,000 on Sep 28, 2020

12431 RIDGE RD

LUSBY, MD 20657
1
Baths
960 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.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$289K
$274K low$303K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$175,000 · Sep 28, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,581 (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.$220,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$55,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$165,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$201,667
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$220,400

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.49
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
30
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
81
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
52
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyCALVERT
Lot (acres)The size of the land the home sits on, from county records.0.36
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.Heat Pump
CoolingThe type of cooling or air conditioning 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.Deck · 80 ft²

Transaction History(6)

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
Patuxent High SchoolB+
High · Grades 9–12 · 1.0 mi
E
Patuxent Elementary School
Elementary · Grades PK–2 · 1.1 mi
M
Mill Creek Middle SchoolB
Middle · Grades 6–8 · 1.4 mi

District: Calvert County Public Schools

Neighborhood · ZIP 20657These 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.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.29

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.23,248
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.597 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$113,618
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$142,432
Average tempThe average temperature here across a full year.57°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%

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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

12431 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 less than 94% of homes in Calvert County
  • Costs more per square foot than 67% of homes in Lusby 20657
  • Smaller than 92% of homes in Calvert County
  • Has a smaller lot than 67% of homes in Calvert County
  • Older than 70% of homes in Lusby 20657

What homes are worth in Lusby 20657

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

This home
$235K$902K

This home is worth more than 14% of homes in Lusby 20657.

How it measures up in Lusby 20657

The dot is this home. The mark in the middle is the typical home in Lusby 20657.

Estimated value$288,666
CheaperTypical $363,608Pricier

Pricier than 14% of homes nearby

Price per ft²$301
CheaperTypical $271Pricier

Pricier than 67% of homes nearby

Living area960 ft²
SmallerTypical 1,366 ft²Bigger

Bigger than 13% of homes nearby

Lot size0.37 ac
SmallerTypical 0.36 acBigger

Bigger than 50% of homes nearby

Year built1985
OlderTypical 1991Newer

Newer than 30% of homes nearby

How 12431 Ridge Rd ranks against every home in each area.
MeasureThis homeLusby 20657Calvert County
Estimated valuepricier than$288,66614% of homes6% of homes
Price per ft²pricier than$30167% of homes63% of homes
Living areabigger than960 ft²13% of homes8% of homes
Lot sizebigger than0.37 ac50% of homes33% of homes
Year builtnewer than198530% of homes36% of homes

About 12431 Ridge Rd

How much is 12431 Ridge Rd, Lusby, MD worth?

The TopHap Estimate for 12431 Ridge Rd, Lusby, MD is $288,666 as of Aug 30, 2026. The likely range is $274,063 to $303,269. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12431 Ridge Rd, Lusby, MD last sell?

12431 Ridge Rd, Lusby, MD last sold on Sep 28, 2020 for $175,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 12431 Ridge Rd, Lusby, MD?

12431 Ridge Rd, Lusby, MD has 1 bathrooms, 960 square feet of living space and a 0.36-acre lot.

When was 12431 Ridge Rd, Lusby, MD built?

12431 Ridge Rd, Lusby, MD was built in 1985, making it 41 years old. The building has 1 story.

What schools serve 12431 Ridge Rd, Lusby, MD?

12431 Ridge Rd, Lusby, MD is assigned to Patuxent High School (high), rated B+; Patuxent Elementary School (elementary); Mill Creek Middle School (middle), rated B. All sit in Calvert County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12431 Ridge Rd, Lusby, MD compare to other homes in Lusby 20657?

Among the 8,491 homes in Lusby 20657, it is worth more than 14% of them ($288,666 against a typical $363,608), its price per square foot is higher than 67% of them ($301 against a typical $271), it is bigger than 13% of them (960 ft² against a typical 1,366 ft²), its lot is bigger than 50% of them (0.37 ac against a typical 0.36 ac) and it is newer than 30% of them (1985 against a typical 1991). Measured against all of Calvert County, it is worth more than 6% 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 12431 Ridge Rd, Lusby, MD?

The 2025 property tax bill for 12431 Ridge Rd, Lusby, MD was $2,581. The county assessed it at $220,400.

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