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Single Family ResidenceResidential
$498,641$297 / 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 91How 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 $12,000 on Mar 9, 1989

20 ELM RD

RIVA, MD 21140
1
Baths
1,680 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1991
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$499K
$453K low$544K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$12,000 · Mar 9, 1989
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.$486,641
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$389,313
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.2%
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.$12,000
FIRST MARINER BANK · E · recorded Jul 28, 1999

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,089 (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.$381,067 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$360,033
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$402,100

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.24
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
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.197 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.1 percent flood zone

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.0.11
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

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

E
Central Elementary SchoolB+
Elementary · Grades KG–5 · 2.2 mi
H
South River High SchoolA-
High · Grades 9–12 · 2.4 mi
M
Central Middle SchoolA-
Middle · Grades 6–8 · 2.7 mi

District: Anne Arundel County Public Schools

Neighborhood · ZIP 21140These 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.106
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 100.34

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.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.4%
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.2,741
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,547 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$138,675
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$180,517
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

20 Elm 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 less than 80% of homes in Riva 21140
  • Costs less per square foot than 77% of homes in Riva 21140
  • Smaller than 69% of homes in Riva 21140
  • Has a smaller lot than 85% of homes in Riva 21140
  • Newer than 73% of homes in Riva 21140

What homes are worth in Riva 21140

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

This home
$312K$1.7M

This home is worth more than 20% of homes in Riva 21140.

How it measures up in Riva 21140

The dot is this home. The mark in the middle is the typical home in Riva 21140.

Estimated value$498,641
CheaperTypical $673,164Pricier

Pricier than 20% of homes nearby

Price per ft²$297
CheaperTypical $338Pricier

Pricier than 23% of homes nearby

Living area1,680 ft²
SmallerTypical 2,112 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.11 ac
SmallerTypical 0.28 acBigger

Bigger than 15% of homes nearby

Year built1991
OlderTypical 1979Newer

Newer than 73% of homes nearby

How 20 Elm Rd ranks against every home in each area.
MeasureThis homeRiva 21140Anne Arundel County
Estimated valuepricier than$498,64120% of homes49% of homes
Price per ft²pricier than$29723% of homes45% of homes
Living areabigger than1,680 ft²31% of homes52% of homes
Lot sizebigger than0.11 ac15% of homes26% of homes
Year builtnewer than199173% of homes63% of homes

About 20 Elm Rd

How much is 20 Elm Rd, Riva, MD worth?

The TopHap Estimate for 20 Elm Rd, Riva, MD is $498,641 as of Jul 14, 2026. The likely range is $453,431 to $543,851. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Elm Rd, Riva, MD last sell?

20 Elm Rd, Riva, MD last sold on Mar 9, 1989 for $12,000, according to the county's recorded deed.

How big is 20 Elm Rd, Riva, MD?

20 Elm Rd, Riva, MD has 1 bathrooms, 1,680 square feet of living space and a 0.11-acre lot.

When was 20 Elm Rd, Riva, MD built?

20 Elm Rd, Riva, MD was built in 1991, making it 35 years old. It is a conventional home. The building has 2 stories.

What schools serve 20 Elm Rd, Riva, MD?

20 Elm Rd, Riva, MD is assigned to Central Elementary School (elementary), rated B+; South River High School (high), rated A-; Central Middle School (middle), rated A-. All sit in Anne Arundel County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Elm Rd, Riva, MD compare to other homes in Riva 21140?

Among the 1,406 homes in Riva 21140, it is worth more than 20% of them ($498,641 against a typical $673,164), its price per square foot is higher than 23% of them ($297 against a typical $338), it is bigger than 31% of them (1,680 ft² against a typical 2,112 ft²), its lot is bigger than 15% of them (0.11 ac against a typical 0.28 ac) and it is newer than 73% of them (1991 against a typical 1979). Measured against all of Anne Arundel County, it is worth more than 49% 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 20 Elm Rd, Riva, MD?

The 2025 property tax bill for 20 Elm Rd, Riva, MD was $4,089. The county assessed it at $381,067.

Closest homes

More homes in Riva 21140

Assigned schools

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