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Single Family ResidenceResidential
$455,730$339 / 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 98How 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 $302,000 on Jan 21, 2020

3540 RIDGE RD

WESTMINSTER, MD 21157
3
Baths
1,344 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.
1.59 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$456K
$445K low$467K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$302,000 · Jan 21, 2020
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.$112,230
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$89,784
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.75%
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.$298,500
CARDINAL FINANCIAL COMPANY LP · recorded Jun 30, 2021
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.$45,000
ROCKET MORTGAGE LLC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,139 (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.$406,867 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$379,533
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$434,200

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.1.59
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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 · 432 ft²Porch · 96 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
Winfield Elementary SchoolB+
Elementary · Grades PK–5 · 1.9 mi
H
South Carroll High SchoolA-
High · Grades 9–12 · 2.8 mi
M
Mount Airy Middle SchoolB
Middle · Grades 6–8 · 7.8 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

3540 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.

  • Costs more per square foot than 87% of homes in Westminster 21157
  • Smaller than 72% of homes in Carroll County
  • Has a bigger lot than 78% of homes in Westminster 21157

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
$209K$927K

This home is worth more than 51% 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$455,730
CheaperTypical $453,448Pricier

Pricier than 51% of homes nearby

Price per ft²$339
CheaperTypical $266Pricier

Pricier than 87% of homes nearby

Living area1,344 ft²
SmallerTypical 1,728 ft²Bigger

Bigger than 30% of homes nearby

Lot size1.59 ac
SmallerTypical 0.61 acBigger

Bigger than 78% of homes nearby

Year built1986
OlderTypical 1979Newer

Newer than 62% of homes nearby

How 3540 Ridge Rd ranks against every home in each area.
MeasureThis homeWestminster 21157Carroll County
Estimated valuepricier than$455,73051% of homes46% of homes
Price per ft²pricier than$33987% of homes85% of homes
Living areabigger than1,344 ft²30% of homes28% of homes
Lot sizebigger than1.59 ac78% of homes74% of homes
Year builtnewer than198662% of homes53% of homes

About 3540 Ridge Rd

How much is 3540 Ridge Rd, Westminster, MD worth?

The TopHap Estimate for 3540 Ridge Rd, Westminster, MD is $455,730 as of Jul 14, 2026. The likely range is $444,681 to $466,779. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3540 Ridge Rd, Westminster, MD last sell?

3540 Ridge Rd, Westminster, MD last sold on Jan 21, 2020 for $302,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3540 Ridge Rd, Westminster, MD?

3540 Ridge Rd, Westminster, MD has 3 bathrooms, 1,344 square feet of living space and a 1.59-acre lot.

When was 3540 Ridge Rd, Westminster, MD built?

3540 Ridge Rd, Westminster, MD was built in 1986, making it 40 years old. The building has 1 story.

What schools serve 3540 Ridge Rd, Westminster, MD?

3540 Ridge Rd, Westminster, MD is assigned to Winfield Elementary School (elementary), rated B+; South Carroll High School (high), rated A-; Mount Airy Middle School (middle), rated B. All sit in Carroll County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3540 Ridge Rd, Westminster, MD compare to other homes in Westminster 21157?

Among the 12,551 homes in Westminster 21157, it is worth more than 51% of them ($455,730 against a typical $453,448), its price per square foot is higher than 87% of them ($339 against a typical $266), it is bigger than 30% of them (1,344 ft² against a typical 1,728 ft²), its lot is bigger than 78% of them (1.59 ac against a typical 0.61 ac) and it is newer than 62% of them (1986 against a typical 1979). Measured against all of Carroll 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 3540 Ridge Rd, Westminster, MD?

The 2025 property tax bill for 3540 Ridge Rd, Westminster, MD was $4,139. The county assessed it at $406,867.

Closest homes

More homes in Westminster 21157

Assigned schools

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