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Single Family ResidenceResidential
$504,050$311 / 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 95How 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

3481 ROSS RD

SAINT LEONARD, MD 20685
3.5
Baths
1,620 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.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
2016
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$504K
$479K low$529K high
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.$280,050
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$224,040
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.42%
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.$224,000
PRIVATE INDIVIDUAL · recorded Jun 17, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,006 (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.$471,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$122,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$349,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$443,333
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$471,100

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.48
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
52
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyCALVERT
Lot (acres)The size of the land the home sits on, from county records.1.00
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 60 ft²Porch · 1,312 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.

E
Mutual Elementary SchoolA-
Elementary · Grades PK–5 · 1.9 mi
H
Calvert High SchoolB
High · Grades 9–12 · 7.3 mi
M
Calvert Middle SchoolB
Middle · Grades 6–8 · 7.5 mi

District: Calvert County Public Schools

Neighborhood · ZIP 20685These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.4%
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.4,918
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.170 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$143,796
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$161,144
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

3481 Ross 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.

  • Costs more per square foot than 73% of homes in Calvert County
  • Newer than 98% of homes in Saint Leonard 20685

What homes are worth in Saint Leonard 20685

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

This home
$235K$1M

This home is worth more than 57% of homes in Saint Leonard 20685.

How it measures up in Saint Leonard 20685

The dot is this home. The mark in the middle is the typical home in Saint Leonard 20685.

Estimated value$504,050
CheaperTypical $468,531Pricier

Pricier than 57% of homes nearby

Price per ft²$311
CheaperTypical $269Pricier

Pricier than 70% of homes nearby

Living area1,620 ft²
SmallerTypical 1,830 ft²Bigger

Bigger than 43% of homes nearby

Lot size1 ac
SmallerTypical 0.92 acBigger

Bigger than 58% of homes nearby

Year built2016
OlderTypical 1989Newer

Newer than 98% of homes nearby

How 3481 Ross Rd ranks against every home in each area.
MeasureThis homeSaint Leonard 20685Calvert County
Estimated valuepricier than$504,05057% of homes56% of homes
Price per ft²pricier than$31170% of homes73% of homes
Living areabigger than1,620 ft²43% of homes45% of homes
Lot sizebigger than1 ac58% of homes63% of homes
Year builtnewer than201698% of homes96% of homes

About 3481 Ross Rd

How much is 3481 Ross Rd, Saint Leonard, MD worth?

The TopHap Estimate for 3481 Ross Rd, Saint Leonard, MD is $504,050 as of Jul 14, 2026. The likely range is $479,340 to $528,760. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3481 Ross Rd, Saint Leonard, MD last sell?

3481 Ross Rd, Saint Leonard, MD last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3481 Ross Rd, Saint Leonard, MD?

3481 Ross Rd, Saint Leonard, MD has 3.5 bathrooms, 1,620 square feet of living space and a 1.00-acre lot.

When was 3481 Ross Rd, Saint Leonard, MD built?

3481 Ross Rd, Saint Leonard, MD was built in 2016, making it 10 years old. The building has 1 story.

What schools serve 3481 Ross Rd, Saint Leonard, MD?

3481 Ross Rd, Saint Leonard, MD is assigned to Mutual Elementary School (elementary), rated A-; Calvert High School (high), rated B; Calvert Middle School (middle), rated B. All sit in Calvert County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3481 Ross Rd, Saint Leonard, MD compare to other homes in Saint Leonard 20685?

Among the 2,632 homes in Saint Leonard 20685, it is worth more than 57% of them ($504,050 against a typical $468,531), its price per square foot is higher than 70% of them ($311 against a typical $269), it is bigger than 43% of them (1,620 ft² against a typical 1,830 ft²), its lot is bigger than 58% of them (1 ac against a typical 0.92 ac) and it is newer than 98% of them (2016 against a typical 1989). Measured against all of Calvert County, it is worth more than 56% 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 3481 Ross Rd, Saint Leonard, MD?

The 2025 property tax bill for 3481 Ross Rd, Saint Leonard, MD was $5,006. The county assessed it at $471,100.

Closest homes

More homes in Saint Leonard 20685

Assigned schools

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