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Single Family ResidenceResidential
$496,650$269 / 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 93How 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

1645 RIDGE RD

WESTMINSTER, MD 21157
2
Baths
1,848 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.
4.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1954
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
9
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$497K
$462K low$531K 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.$176,250
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$141,000
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.$230,400
BALTIMORE COUNTY EMPLOYEES FCU · recorded Aug 26, 2010
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.$90,000
BALTIMORE COUNTY EMPLOYEES FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,871 (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.$456,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$156,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$300,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$429,633
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$456,200

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCARROLL
Lot (acres)The size of the land the home sits on, from county records.4.23
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Baseboard
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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.Porch · 150 ft²

Transaction History(3)

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
Friendship Valley Elementary SchoolB-
Elementary · Grades PK–5 · 1.6 mi
H
Westminster High SchoolA-
High · Grades 9–12 · 2.0 mi
M
Westminster West Middle SchoolB+
Middle · Grades 6–8 · 4.2 mi

District: Carroll County Public Schools

Neighborhood · ZIP 21157These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.46

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.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.4%
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.41,419
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.542 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$105,034
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$121,439
Average tempThe average temperature here across a full year.53°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

1645 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.

  • Has a bigger lot than 92% of homes in Westminster 21157
  • Older than 86% of homes in Carroll County

What homes are worth in Westminster 21157

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

This home
$215K$939K

This home is worth more than 59% of homes in Westminster 21157.

How it measures up in Westminster 21157

The dot is this home. The mark in the middle is the typical home in Westminster 21157.

Estimated value$496,650
CheaperTypical $453,562Pricier

Pricier than 59% of homes nearby

Price per ft²$269
CheaperTypical $265Pricier

Pricier than 53% of homes nearby

Living area1,848 ft²
SmallerTypical 1,736 ft²Bigger

Bigger than 56% of homes nearby

Lot size4.23 ac
SmallerTypical 0.61 acBigger

Bigger than 92% of homes nearby

Year built1954
OlderTypical 1979Newer

Newer than 19% of homes nearby

How 1645 Ridge Rd ranks against every home in each area.
MeasureThis homeWestminster 21157Carroll County
Estimated valuepricier than$496,65059% of homes55% of homes
Price per ft²pricier than$26953% of homes49% of homes
Living areabigger than1,848 ft²56% of homes53% of homes
Lot sizebigger than4.23 ac92% of homes90% of homes
Year builtnewer than195419% of homes14% of homes

About 1645 Ridge Rd

How much is 1645 Ridge Rd, Westminster, MD worth?

The TopHap Estimate for 1645 Ridge Rd, Westminster, MD is $496,650 as of Jul 14, 2026. The likely range is $461,945 to $531,355. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1645 Ridge Rd, Westminster, MD last sell?

1645 Ridge Rd, Westminster, MD last sold on Oct 8, 2002, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 1645 Ridge Rd, Westminster, MD?

1645 Ridge Rd, Westminster, MD has 2 bathrooms, 1,848 square feet of living space and a 4.23-acre lot.

When was 1645 Ridge Rd, Westminster, MD built?

1645 Ridge Rd, Westminster, MD was built in 1954, making it 72 years old. The building has 1 story.

What schools serve 1645 Ridge Rd, Westminster, MD?

1645 Ridge Rd, Westminster, MD is assigned to Friendship Valley Elementary School (elementary), rated B-; Westminster High School (high), rated A-; Westminster West Middle School (middle), rated B+. All sit in Carroll County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1645 Ridge Rd, Westminster, MD compare to other homes in Westminster 21157?

Among the 12,551 homes in Westminster 21157, it is worth more than 59% of them ($496,650 against a typical $453,562), its price per square foot is higher than 53% of them ($269 against a typical $265), it is bigger than 56% of them (1,848 ft² against a typical 1,736 ft²), its lot is bigger than 92% of them (4.23 ac against a typical 0.61 ac) and it is newer than 19% of them (1954 against a typical 1979). Measured against all of Carroll County, it is worth more than 55% 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 1645 Ridge Rd, Westminster, MD?

The 2025 property tax bill for 1645 Ridge Rd, Westminster, MD was $4,871. The county assessed it at $456,200.

Closest homes

More homes in Westminster 21157

Assigned schools

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