Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$601,273$258 / 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 96How 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

20509 TOP RIDGE DR

BOYDS, MD 20841
2.5
Baths
2,328 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.
0.47 ac
Lot SizeThe size of the land the home sits on, from county records.
1973
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$601K
$579K low$624K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,207 (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.$443,733 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$400,667
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$486,800

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.30
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
34
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.51%
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.Bi-Level
CountyMONTGOMERY
Lot (acres)The size of the land the home sits on, from county records.0.47
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.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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 · 120 ft²

Transaction History(1)

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.

H
Seneca Valley High SchoolC
High · Grades 9–12 · 2.7 mi
E
William B. Gibbs Jr. Elementary SchoolA-
Elementary · Grades PK–5 · 2.8 mi
M
Neelsville Middle SchoolC-
Middle · Grades 6–8 · 3.7 mi

District: Montgomery County Public Schools

Neighborhood · ZIP 20841These 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.34
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

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.98%
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.4.4%
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.14,427
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.464 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$163,918
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$191,175
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Owner Tools

Do you own this home?
Claim this home

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

20509 Top Ridge Dr 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 79% of homes in Boyds 20841
  • Costs less per square foot than 72% of homes in Montgomery County
  • Smaller than 75% of homes in Boyds 20841
  • Has a bigger lot than 88% of homes in Montgomery County
  • Older than 89% of homes in Boyds 20841

What homes are worth in Boyds 20841

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

This home
$232K$1.2M

This home is worth more than 21% of homes in Boyds 20841.

How it measures up in Boyds 20841

The dot is this home. The mark in the middle is the typical home in Boyds 20841.

Estimated value$601,273
CheaperTypical $856,564Pricier

Pricier than 21% of homes nearby

Price per ft²$258
CheaperTypical $247Pricier

Pricier than 59% of homes nearby

Living area2,328 ft²
SmallerTypical 3,377 ft²Bigger

Bigger than 25% of homes nearby

Lot size0.47 ac
SmallerTypical 0.21 acBigger

Bigger than 80% of homes nearby

Year built1973
OlderTypical 2002Newer

Newer than 11% of homes nearby

How 20509 Top Ridge Dr ranks against every home in each area.
MeasureThis homeBoydsBoyds 20841Montgomery County
Estimated valuepricier than$601,27327% of homes21% of homes46% of homes
Price per ft²pricier than$25831% of homes59% of homes28% of homes
Living areabigger than2,328 ft²30% of homes25% of homes61% of homes
Lot sizebigger than0.47 ac42% of homes80% of homes88% of homes
Year builtnewer than197332% of homes11% of homes44% of homes

About 20509 Top Ridge Dr

How much is 20509 Top Ridge Dr, Boyds, MD worth?

The TopHap Estimate for 20509 Top Ridge Dr, Boyds, MD is $601,273 as of Sep 24, 2026. The likely range is $578,511 to $624,035. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20509 Top Ridge Dr, Boyds, MD last sell?

20509 Top Ridge Dr, Boyds, MD last sold on Jan 8, 2001, according to the county's recorded deed.

How big is 20509 Top Ridge Dr, Boyds, MD?

20509 Top Ridge Dr, Boyds, MD has 2.5 bathrooms, 2,328 square feet of living space and a 0.47-acre lot.

When was 20509 Top Ridge Dr, Boyds, MD built?

20509 Top Ridge Dr, Boyds, MD was built in 1973, making it 53 years old. It is a bi-level home. The building has 2 stories.

What schools serve 20509 Top Ridge Dr, Boyds, MD?

20509 Top Ridge Dr, Boyds, MD is assigned to Seneca Valley High School (high), rated C; William B. Gibbs Jr. Elementary School (elementary), rated A-; Neelsville Middle School (middle), rated C-. All sit in Montgomery County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20509 Top Ridge Dr, Boyds, MD compare to other homes in Boyds 20841?

Among the 3,098 homes in Boyds 20841, it is worth more than 21% of them ($601,273 against a typical $856,564), its price per square foot is higher than 59% of them ($258 against a typical $247), it is bigger than 25% of them (2,328 ft² against a typical 3,377 ft²), its lot is bigger than 80% of them (0.47 ac against a typical 0.21 ac) and it is newer than 11% of them (1973 against a typical 2002). Measured against all of Montgomery County, it is worth more than 46% 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 20509 Top Ridge Dr, Boyds, MD?

The 2025 property tax bill for 20509 Top Ridge Dr, Boyds, MD was $5,207. The county assessed it at $443,733.

More homes on Top Ridge Dr

Closest homes

More homes in Boyds 20841

Assigned schools

Explore the area

See this home in context

Open 20509 Top Ridge Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map