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Single Family ResidenceResidential
$397,356$237 / 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 Jul 14, 2026
Last sold for $206,500 on Aug 20, 2001

3 RIDGE RD

WESTMINSTER, MD 21157
1.5
Baths
1,678 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.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$397K
$382K low$413K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$206,500 · Aug 20, 2001
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.110%
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.$258,400
BAY CAPITAL MORTGAGE CORP · recorded Jul 30, 2012
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.$183,000
TOWNEBANK MORTGAGE

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,961 (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.$295,300 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$277,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$313,300

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.0.24
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Radiant
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 · 312 ft²Shed · 180 ft²Porch · 388 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.

M
Westminster West Middle SchoolB+
Middle · Grades 6–8 · 0.6 mi
E
Friendship Valley Elementary SchoolB-
Elementary · Grades PK–5 · 2.4 mi
H
Westminster High SchoolA-
High · Grades 9–12 · 2.7 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

3 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 less than 68% of homes in Carroll County
  • Costs less per square foot than 73% of homes in Westminster 21157
  • Has a smaller lot than 79% of homes in Carroll County
  • Older than 91% 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
$219K$959K

This home is worth more than 35% 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$397,356
CheaperTypical $454,379Pricier

Pricier than 35% of homes nearby

Price per ft²$237
CheaperTypical $265Pricier

Pricier than 27% of homes nearby

Living area1,678 ft²
SmallerTypical 1,733 ft²Bigger

Bigger than 47% of homes nearby

Lot size0.24 ac
SmallerTypical 0.64 acBigger

Bigger than 22% of homes nearby

Year built1925
OlderTypical 1979Newer

Newer than 11% of homes nearby

How 3 Ridge Rd ranks against every home in each area.
MeasureThis homeWestminster 21157Carroll County
Estimated valuepricier than$397,35635% of homes32% of homes
Price per ft²pricier than$23727% of homes27% of homes
Living areabigger than1,678 ft²47% of homes44% of homes
Lot sizebigger than0.24 ac22% of homes21% of homes
Year builtnewer than192511% of homes9% of homes

About 3 Ridge Rd

How much is 3 Ridge Rd, Westminster, MD worth?

The TopHap Estimate for 3 Ridge Rd, Westminster, MD is $397,356 as of Jul 14, 2026. The likely range is $382,037 to $412,675. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Ridge Rd, Westminster, MD last sell?

3 Ridge Rd, Westminster, MD last sold on Aug 20, 2001 for $206,500, according to the county's recorded deed.

How big is 3 Ridge Rd, Westminster, MD?

3 Ridge Rd, Westminster, MD has 1.5 bathrooms, 1,678 square feet of living space and a 0.24-acre lot.

When was 3 Ridge Rd, Westminster, MD built?

3 Ridge Rd, Westminster, MD was built in 1925, making it 101 years old. The building has 2 stories.

What schools serve 3 Ridge Rd, Westminster, MD?

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

How does 3 Ridge Rd, Westminster, MD compare to other homes in Westminster 21157?

Among the 12,551 homes in Westminster 21157, it is worth more than 35% of them ($397,356 against a typical $454,379), its price per square foot is higher than 27% of them ($237 against a typical $265), it is bigger than 47% of them (1,678 ft² against a typical 1,733 ft²), its lot is bigger than 22% of them (0.24 ac against a typical 0.64 ac) and it is newer than 11% of them (1925 against a typical 1979). Measured against all of Carroll County, it is worth more than 32% 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 3 Ridge Rd, Westminster, MD?

The 2025 property tax bill for 3 Ridge Rd, Westminster, MD was $4,961. The county assessed it at $295,300.

Closest homes

More homes in Westminster 21157

Assigned schools

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