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Single Family ResidenceResidential
$484,733$281 / 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 89How 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 $289,900 on Dec 22, 2010

409 RIDGE RD

SWANTON, MD 21561
2
Baths
1,728 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.
0.49 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$485K
$431K low$538K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$289,900 · Dec 22, 2010
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.$302,733
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$242,186
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.36%
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.$182,000
INTERCOASTAL MORTGAGE · recorded Feb 23, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,376 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$390,833 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$387,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$398,300

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.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyGARRETT
Lot (acres)The size of the land the home sits on, from county records.0.49
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.Electric
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, Basement
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 · 20 ft²Porch · 240 ft²

Transaction History(4)

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
Broad Ford Elementary SchoolC-
Elementary · Grades PK–6 · 8.3 mi
H
Southern Garrett High SchoolC+
High · Grades 7–12 · 9.3 mi

District: Garrett County Public Schools

Neighborhood · ZIP 21561These 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.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
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.54%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.2,805
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.29 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,377
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,453
Average tempThe average temperature here across a full year.48°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.Absentee owner
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

409 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 69% of homes in Garrett County
  • Costs more per square foot than 65% of homes in Garrett County
  • Has a smaller lot than 79% of homes in Swanton 21561
  • Older than 70% of homes in Swanton 21561

What homes are worth in Swanton 21561

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

This home
$105K$2.5M

This home is worth more than 44% of homes in Swanton 21561.

How it measures up in Swanton 21561

The dot is this home. The mark in the middle is the typical home in Swanton 21561.

Estimated value$484,733
CheaperTypical $551,060Pricier

Pricier than 44% of homes nearby

Price per ft²$281
CheaperTypical $344Pricier

Pricier than 36% of homes nearby

Living area1,728 ft²
SmallerTypical 1,568 ft²Bigger

Bigger than 60% of homes nearby

Lot size0.49 ac
SmallerTypical 1 acBigger

Bigger than 21% of homes nearby

Year built1970
OlderTypical 1988Newer

Newer than 30% of homes nearby

How 409 Ridge Rd ranks against every home in each area.
MeasureThis homeSwanton 21561Garrett County
Estimated valuepricier than$484,73344% of homes69% of homes
Price per ft²pricier than$28136% of homes65% of homes
Living areabigger than1,728 ft²60% of homes64% of homes
Lot sizebigger than0.49 ac21% of homes24% of homes
Year builtnewer than197030% of homes32% of homes

About 409 Ridge Rd

How much is 409 Ridge Rd, Swanton, MD worth?

The TopHap Estimate for 409 Ridge Rd, Swanton, MD is $484,733 as of Jul 14, 2026. The likely range is $431,426 to $538,040. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 409 Ridge Rd, Swanton, MD last sell?

409 Ridge Rd, Swanton, MD last sold on Dec 22, 2010 for $289,900, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 409 Ridge Rd, Swanton, MD?

409 Ridge Rd, Swanton, MD has 2 bathrooms, 1,728 square feet of living space and a 0.49-acre lot.

When was 409 Ridge Rd, Swanton, MD built?

409 Ridge Rd, Swanton, MD was built in 1970, making it 56 years old. The building has 1 story.

What schools serve 409 Ridge Rd, Swanton, MD?

409 Ridge Rd, Swanton, MD is assigned to Broad Ford Elementary School (elementary), rated C-; Southern Garrett High School (high), rated C+. All sit in Garrett County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 409 Ridge Rd, Swanton, MD compare to other homes in Swanton 21561?

Among the 2,833 homes in Swanton 21561, it is worth more than 44% of them ($484,733 against a typical $551,060), its price per square foot is higher than 36% of them ($281 against a typical $344), it is bigger than 60% of them (1,728 ft² against a typical 1,568 ft²), its lot is bigger than 21% of them (0.49 ac against a typical 1 ac) and it is newer than 30% of them (1970 against a typical 1988). Measured against all of Garrett County, it is worth more than 69% 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 409 Ridge Rd, Swanton, MD?

The 2026 property tax bill for 409 Ridge Rd, Swanton, MD was $4,376. The county assessed it at $390,833.

Closest homes

More homes in Swanton 21561

Assigned schools

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