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Single Family ResidenceResidential
$825,293$291 / 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 $556,000 on Oct 26, 2004

408 SADDLE RIDGE RD

ANNAPOLIS, MD 21403
3 / 1
Baths
2,840 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$825K
$789K low$861K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$556,000 · Oct 26, 2004
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.$179,293
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$143,434
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.79%
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.$323,000
AGRICULTURE FCU · recorded Mar 11, 2025
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.$323,000
AGRICULTURE FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,502 (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.$615,233 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$583,267
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$647,200

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.6
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
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.
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.Conventional
CountyAnne Arundel
Lot (acres)The size of the land the home sits on, from county records.0.31
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 · 252 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.

M
Annapolis Middle SchoolC
Middle · Grades 6–8 · 0.9 mi
E
Hillsmere Elementary SchoolA
Elementary · Grades EE–5 · 1.2 mi
H
Annapolis High SchoolC
High · Grades 9–12 · 3.7 mi

District: Anne Arundel County Public Schools

Neighborhood · ZIP 21403These 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.130
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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.5%
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.32,838
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,339 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$117,902
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$161,719
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

408 Saddle 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 more than 84% of homes in Anne Arundel County
  • Costs less per square foot than 84% of homes in Annapolis 21403
  • Bigger than 88% of homes in Hillsmere Shores
  • Has a bigger lot than 70% of homes in Annapolis 21403
  • Newer than 69% of homes in Annapolis 21403

What homes are worth in Annapolis 21403

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

This home
$260K$3M

This home is worth more than 66% of homes in Annapolis 21403.

How it measures up in Annapolis 21403

The dot is this home. The mark in the middle is the typical home in Annapolis 21403.

Estimated value$825,293
CheaperTypical $663,440Pricier

Pricier than 66% of homes nearby

Price per ft²$291
CheaperTypical $401Pricier

Pricier than 16% of homes nearby

Living area2,840 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 88% of homes nearby

Lot size0.31 ac
SmallerTypical 0.2 acBigger

Bigger than 70% of homes nearby

Year built1987
OlderTypical 1980Newer

Newer than 69% of homes nearby

How 408 Saddle Ridge Rd ranks against every home in each area.
MeasureThis homeHillsmere ShoresAnnapolis 21403Anne Arundel County
Estimated valuepricier than$825,29373% of homes66% of homes84% of homes
Price per ft²pricier than$29121% of homes16% of homes42% of homes
Living areabigger than2,840 ft²88% of homes88% of homes88% of homes
Lot sizebigger than0.31 ac60% of homes70% of homes68% of homes
Year builtnewer than198755% of homes69% of homes57% of homes

About 408 Saddle Ridge Rd

How much is 408 Saddle Ridge Rd, Annapolis, MD worth?

The TopHap Estimate for 408 Saddle Ridge Rd, Annapolis, MD is $825,293 as of Jul 14, 2026. The likely range is $789,360 to $861,226. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 408 Saddle Ridge Rd, Annapolis, MD last sell?

408 Saddle Ridge Rd, Annapolis, MD last sold on Oct 26, 2004 for $556,000, according to the county's recorded deed.

How big is 408 Saddle Ridge Rd, Annapolis, MD?

408 Saddle Ridge Rd, Annapolis, MD has 3 bathrooms, 2,840 square feet of living space and a 0.31-acre lot.

When was 408 Saddle Ridge Rd, Annapolis, MD built?

408 Saddle Ridge Rd, Annapolis, MD was built in 1987, making it 39 years old. It is a conventional home. The building has 2 stories.

What schools serve 408 Saddle Ridge Rd, Annapolis, MD?

408 Saddle Ridge Rd, Annapolis, MD is assigned to Annapolis Middle School (middle), rated C; Hillsmere Elementary School (elementary), rated A; Annapolis High School (high), rated C. All sit in Anne Arundel County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 408 Saddle Ridge Rd, Annapolis, MD compare to other homes in Annapolis 21403?

Among the 11,531 homes in Annapolis 21403, it is worth more than 66% of them ($825,293 against a typical $663,440), its price per square foot is higher than 16% of them ($291 against a typical $401), it is bigger than 88% of them (2,840 ft² against a typical 1,560 ft²), its lot is bigger than 70% of them (0.31 ac against a typical 0.2 ac) and it is newer than 69% of them (1987 against a typical 1980). Measured against all of Anne Arundel County, it is worth more than 84% 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 408 Saddle Ridge Rd, Annapolis, MD?

The 2025 property tax bill for 408 Saddle Ridge Rd, Annapolis, MD was $8,502. The county assessed it at $615,233.

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Assigned schools

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