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Single Family ResidenceResidential
$425,094$188 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $45,000 on Sep 11, 2003

198 HEMLOCK RIDGE RD

OAKLAND, MD 21550
2
Baths
2,264 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 ac
Lot SizeThe size of the land the home sits on, from county records.
2007
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$425K
$399K low$451K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$45,000 · Sep 11, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,034 (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.$324,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$26,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$298,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$297,433
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$324,100

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
66
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
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.

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.4.00
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
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 · 564 ft²

Transaction History(2)

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
Swan Meadow SchoolB
Elementary · Grades KG–8 · 7.6 mi
H
Southern Garrett High SchoolC+
High · Grades 7–12 · 12.0 mi

District: Garrett County Public Schools

Neighborhood · ZIP 21550These 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.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.70%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
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.0.9%
PopulationHow many people live in this area.13,398
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.65 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,822
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,301
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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

198 Hemlock 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 more than 69% of homes in Oakland 21550
  • Bigger than 84% of homes in Oakland 21550
  • Has a bigger lot than 83% of homes in Oakland 21550
  • Newer than 90% of homes in Oakland 21550

What homes are worth in Oakland 21550

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

This home
$65K$2.2M

This home is worth more than 69% of homes in Oakland 21550.

How it measures up in Oakland 21550

The dot is this home. The mark in the middle is the typical home in Oakland 21550.

Estimated value$425,094
CheaperTypical $280,049Pricier

Pricier than 69% of homes nearby

Price per ft²$188
CheaperTypical $192Pricier

Pricier than 48% of homes nearby

Living area2,264 ft²
SmallerTypical 1,492 ft²Bigger

Bigger than 84% of homes nearby

Lot size4 ac
SmallerTypical 1 acBigger

Bigger than 83% of homes nearby

Year built2007
OlderTypical 1982Newer

Newer than 90% of homes nearby

How 198 Hemlock Ridge Rd ranks against every home in each area.
MeasureThis homeOakland 21550Garrett County
Estimated valuepricier than$425,09469% of homes63% of homes
Price per ft²pricier than$18848% of homes41% of homes
Living areabigger than2,264 ft²84% of homes84% of homes
Lot sizebigger than4 ac83% of homes80% of homes
Year builtnewer than200790% of homes88% of homes

About 198 Hemlock Ridge Rd

How much is 198 Hemlock Ridge Rd, Oakland, MD worth?

The TopHap Estimate for 198 Hemlock Ridge Rd, Oakland, MD is $425,094 as of Sep 24, 2026. The likely range is $399,431 to $450,757. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 198 Hemlock Ridge Rd, Oakland, MD last sell?

198 Hemlock Ridge Rd, Oakland, MD last sold on Sep 11, 2003 for $45,000, according to the county's recorded deed.

How big is 198 Hemlock Ridge Rd, Oakland, MD?

198 Hemlock Ridge Rd, Oakland, MD has 2 bathrooms, 2,264 square feet of living space and a 4.00-acre lot.

When was 198 Hemlock Ridge Rd, Oakland, MD built?

198 Hemlock Ridge Rd, Oakland, MD was built in 2007, making it 19 years old. It is a conventional home. The building has 1 story.

What schools serve 198 Hemlock Ridge Rd, Oakland, MD?

198 Hemlock Ridge Rd, Oakland, MD is assigned to Swan Meadow School (elementary), rated B; 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 198 Hemlock Ridge Rd, Oakland, MD compare to other homes in Oakland 21550?

Among the 7,978 homes in Oakland 21550, it is worth more than 69% of them ($425,094 against a typical $280,049), its price per square foot is higher than 48% of them ($188 against a typical $192), it is bigger than 84% of them (2,264 ft² against a typical 1,492 ft²), its lot is bigger than 83% of them (4 ac against a typical 1 ac) and it is newer than 90% of them (2007 against a typical 1982). Measured against all of Garrett County, it is worth more than 63% 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 198 Hemlock Ridge Rd, Oakland, MD?

The 2026 property tax bill for 198 Hemlock Ridge Rd, Oakland, MD was $3,034. The county assessed it at $324,100.

More homes on Hemlock Ridge Rd

Closest homes

More homes in Oakland 21550

Assigned schools

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