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Single Family ResidenceResidential
$633,286$385 / 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

1509 RITCHIE LN

ANNAPOLIS, MD 21401
3 / 1
Baths
1,644 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.
0.1 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.
2
StoriesHow many floors the home has above ground.

Valuation

$633K
$580K low$687K 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.$425,074
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$340,059
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.38%
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.$142,400
QUICKEN LOANS INC · recorded Jul 27, 2001
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.$65,812
TRUIST BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,846 (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.$407,233 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$376,167
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$438,300

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.19
69
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
9
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.39 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.Conventional
CountyAnne Arundel
Lot (acres)The size of the land the home sits on, from county records.0.10
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
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.Deck · 360 ft²Porch · 42 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Germantown Elementary SchoolB+
Elementary · Grades PK–5 · 0.5 mi
M
Wiley H. Bates Middle SchoolC+
Middle · Grades 6–8 · 0.8 mi
H
Annapolis High SchoolC
High · Grades 9–12 · 2.5 mi

District: Anne Arundel County Public Schools

Neighborhood · ZIP 21401These 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.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.38

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.3%
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.39,516
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,752 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$116,570
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$157,167
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

1509 Ritchie Ln 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 more than 68% of homes in Anne Arundel County
  • Costs more per square foot than 79% of homes in Anne Arundel County
  • Has a smaller lot than 75% of homes in Anne Arundel County
  • Newer than 72% of homes in Forest Villa

What homes are worth in Annapolis 21401

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

This home
$251K$2.5M

This home is worth more than 47% of homes in Annapolis 21401.

How it measures up in Annapolis 21401

The dot is this home. The mark in the middle is the typical home in Annapolis 21401.

Estimated value$633,286
CheaperTypical $656,771Pricier

Pricier than 47% of homes nearby

Price per ft²$385
CheaperTypical $360Pricier

Pricier than 58% of homes nearby

Living area1,644 ft²
SmallerTypical 1,672 ft²Bigger

Bigger than 49% of homes nearby

Lot size0.1 ac
SmallerTypical 0.15 acBigger

Bigger than 41% of homes nearby

Year built1985
OlderTypical 1986Newer

Newer than 50% of homes nearby

How 1509 Ritchie Ln ranks against every home in each area.
MeasureThis homeForest VillaAnnapolis 21401Anne Arundel County
Estimated valuepricier than$633,28642% of homes47% of homes68% of homes
Price per ft²pricier than$38535% of homes58% of homes79% of homes
Living areabigger than1,644 ft²61% of homes49% of homes50% of homes
Lot sizebigger than0.1 ac32% of homes41% of homes25% of homes
Year builtnewer than198572% of homes50% of homes54% of homes

About 1509 Ritchie Ln

How much is 1509 Ritchie Ln, Annapolis, MD worth?

The TopHap Estimate for 1509 Ritchie Ln, Annapolis, MD is $633,286 as of Jul 14, 2026. The likely range is $579,692 to $686,880. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1509 Ritchie Ln, Annapolis, MD last sell?

1509 Ritchie Ln, Annapolis, MD last sold on Oct 1, 1993, according to the county's recorded deed.

How big is 1509 Ritchie Ln, Annapolis, MD?

1509 Ritchie Ln, Annapolis, MD has 3 bathrooms, 1,644 square feet of living space and a 0.10-acre lot.

When was 1509 Ritchie Ln, Annapolis, MD built?

1509 Ritchie Ln, Annapolis, MD was built in 1985, making it 41 years old. It is a conventional home. The building has 2 stories.

What schools serve 1509 Ritchie Ln, Annapolis, MD?

1509 Ritchie Ln, Annapolis, MD is assigned to Germantown Elementary School (elementary), rated B+; Wiley H. Bates Middle School (middle), rated C+; Annapolis High School (high), rated C. All sit in Anne Arundel County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1509 Ritchie Ln, Annapolis, MD compare to other homes in Annapolis 21401?

Among the 14,238 homes in Annapolis 21401, it is worth more than 47% of them ($633,286 against a typical $656,771), its price per square foot is higher than 58% of them ($385 against a typical $360), it is bigger than 49% of them (1,644 ft² against a typical 1,672 ft²), its lot is bigger than 41% of them (0.1 ac against a typical 0.15 ac) and it is newer than 50% of them (1985 against a typical 1986). Measured against all of Anne Arundel County, it is worth more than 68% 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 1509 Ritchie Ln, Annapolis, MD?

The 2025 property tax bill for 1509 Ritchie Ln, Annapolis, MD was $4,846. The county assessed it at $407,233.

Closest homes

More homes in Annapolis 21401

Assigned schools

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