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Single Family ResidenceResidential
$1,695,000$887 / 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
Last sold for $1,150,000 on Jun 24, 2022

185 RUTA LN

SWANTON, MD 21561
3.5
Baths
1,910 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.
3.54 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$1.7M
$1.6M low$1.8M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,150,000 · Jun 24, 2022
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.$775,000
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$620,000
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.54%
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.$920,000
FAIRWAY INDEPENDENT MORTGAGE CORP · recorded Mar 13, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,830 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,241,000 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,225,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,271,400

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.55
68
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.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
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.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

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
CountyGARRETT
Lot (acres)The size of the land the home sits on, from county records.3.54
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.Forced Air With Air Conditioning
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 · 80 ft²Patio · 288 ft²Porch · 84 ft²

Transaction History(7)

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
Broad Ford Elementary SchoolC-
Elementary · Grades PK–6 · 4.7 mi
H
Southern Garrett High SchoolC+
High · Grades 7–12 · 5.6 mi

District: Garrett County Public Schools

Neighborhood · ZIP 21561These 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.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.31

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.54%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.2,805
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.29 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,377
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,453
Average tempThe average temperature here across a full year.48°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.Yes

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

185 Ruta 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 97% of homes in Garrett County
  • Costs more per square foot than 98% of homes in Garrett County
  • Bigger than 72% of homes in Garrett County
  • Has a bigger lot than 84% of homes in Swanton 21561
  • Newer than 81% of homes in Garrett County

What homes are worth in Swanton 21561

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

This home
$95K$2.3M

This home is worth more than 94% of homes in Swanton 21561.

How it measures up in Swanton 21561

The dot is this home. The mark in the middle is the typical home in Swanton 21561.

Estimated value$1,695,000
CheaperTypical $549,690Pricier

Pricier than 94% of homes nearby

Price per ft²$887
CheaperTypical $346Pricier

Pricier than 95% of homes nearby

Living area1,910 ft²
SmallerTypical 1,568 ft²Bigger

Bigger than 69% of homes nearby

Lot size3.54 ac
SmallerTypical 1 acBigger

Bigger than 84% of homes nearby

Year built2004
OlderTypical 1988Newer

Newer than 78% of homes nearby

How 185 Ruta Ln ranks against every home in each area.
MeasureThis homeSwanton 21561Garrett County
Estimated valuepricier than$1,695,00094% of homes97% of homes
Price per ft²pricier than$88795% of homes98% of homes
Living areabigger than1,910 ft²69% of homes72% of homes
Lot sizebigger than3.54 ac84% of homes78% of homes
Year builtnewer than200478% of homes81% of homes

About 185 Ruta Ln

How much is 185 Ruta Ln, Swanton, MD worth?

The TopHap Estimate for 185 Ruta Ln, Swanton, MD is $1,695,000 as of Jul 14, 2026. The likely range is $1,583,915 to $1,806,085. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 185 Ruta Ln, Swanton, MD last sell?

185 Ruta Ln, Swanton, MD last sold on Jun 24, 2022 for $1,150,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 185 Ruta Ln, Swanton, MD?

185 Ruta Ln, Swanton, MD has 3.5 bathrooms, 1,910 square feet of living space and a 3.54-acre lot.

When was 185 Ruta Ln, Swanton, MD built?

185 Ruta Ln, Swanton, MD was built in 2004, making it 22 years old. It is a conventional home. The building has 1 story.

What schools serve 185 Ruta Ln, Swanton, MD?

185 Ruta Ln, Swanton, MD is assigned to Broad Ford Elementary School (elementary), rated C-; Southern Garrett High School (high), rated C+. All sit in Garrett County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 185 Ruta Ln, Swanton, MD compare to other homes in Swanton 21561?

Among the 2,833 homes in Swanton 21561, it is worth more than 94% of them ($1,695,000 against a typical $549,690), its price per square foot is higher than 95% of them ($887 against a typical $346), it is bigger than 69% of them (1,910 ft² against a typical 1,568 ft²), its lot is bigger than 84% of them (3.54 ac against a typical 1 ac) and it is newer than 78% of them (2004 against a typical 1988). Measured against all of Garrett County, it is worth more than 97% 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 185 Ruta Ln, Swanton, MD?

The 2026 property tax bill for 185 Ruta Ln, Swanton, MD was $13,830. The county assessed it at $1,241,000.

Closest homes

More homes in Swanton 21561

Assigned schools

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