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Single Family ResidenceResidential
$444,319$238 / 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 Jul 14, 2026

1265 EMERALD RIDGE DR

WESTMINSTER, MD 21158
2.5
Baths
1,868 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.
1.24 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$444K
$422K low$467K high
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.172%
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.$727,500
LONGBRIDGE FINANCIAL LLC · recorded Jun 9, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,108 (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.$383,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$132,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$251,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$347,467
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$383,400

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.66 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
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyCARROLL
Lot (acres)The size of the land the home sits on, from county records.1.24
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 · 64 ft²

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 · 1.6 mi
M
Westminster East Middle SchoolC+
Middle · Grades 6–8 · 3.3 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

1265 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 less per square foot than 72% of homes in Carroll County
  • Has a bigger lot than 69% of homes in Carroll County
  • Newer than 66% of homes in Westminster 21158

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
$241K$835K

This home is worth more than 49% 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$444,319
CheaperTypical $447,932Pricier

Pricier than 49% of homes nearby

Price per ft²$238
CheaperTypical $251Pricier

Pricier than 38% of homes nearby

Living area1,868 ft²
SmallerTypical 1,757 ft²Bigger

Bigger than 56% of homes nearby

Lot size1.24 ac
SmallerTypical 0.79 acBigger

Bigger than 62% of homes nearby

Year built1992
OlderTypical 1987Newer

Newer than 66% of homes nearby

How 1265 Emerald Ridge Dr ranks against every home in each area.
MeasureThis homeWestminster 21158Carroll County
Estimated valuepricier than$444,31949% of homes43% of homes
Price per ft²pricier than$23838% of homes28% of homes
Living areabigger than1,868 ft²56% of homes54% of homes
Lot sizebigger than1.24 ac62% of homes69% of homes
Year builtnewer than199266% of homes65% of homes

About 1265 Emerald Ridge Dr

How much is 1265 Emerald Ridge Dr, Westminster, MD worth?

The TopHap Estimate for 1265 Emerald Ridge Dr, Westminster, MD is $444,319 as of Jul 14, 2026. The likely range is $421,519 to $467,119. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1265 Emerald Ridge Dr, Westminster, MD last sell?

1265 Emerald Ridge Dr, Westminster, MD last sold on Jan 3, 2002, according to the county's recorded deed.

How big is 1265 Emerald Ridge Dr, Westminster, MD?

1265 Emerald Ridge Dr, Westminster, MD has 2.5 bathrooms, 1,868 square feet of living space and a 1.24-acre lot.

When was 1265 Emerald Ridge Dr, Westminster, MD built?

1265 Emerald Ridge Dr, Westminster, MD was built in 1992, making it 34 years old. It is a split level home. The building has 2 stories.

What schools serve 1265 Emerald Ridge Dr, Westminster, MD?

1265 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 1265 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 49% of them ($444,319 against a typical $447,932), its price per square foot is higher than 38% of them ($238 against a typical $251), it is bigger than 56% of them (1,868 ft² against a typical 1,757 ft²), its lot is bigger than 62% of them (1.24 ac against a typical 0.79 ac) and it is newer than 66% of them (1992 against a typical 1987). Measured against all of Carroll 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.

What are the property taxes on 1265 Emerald Ridge Dr, Westminster, MD?

The 2025 property tax bill for 1265 Emerald Ridge Dr, Westminster, MD was $3,108. The county assessed it at $383,400.

Closest homes

More homes in Westminster 21158

Assigned schools

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