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Single Family ResidenceResidential
$306,199$219 / 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 79How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

45 FEDERAL AVE

EMMITSBURG, MD 21727
1.5
Baths
1,400 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.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$306K
$242K low$371K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,557 (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.$242,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$50,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$191,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$221,167
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$242,200

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.23 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyFREDERICK
Lot (acres)The size of the land the home sits on, from county records.0.31
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.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
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 · 180 ft²Patio · 360 ft²Porch · 144 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
Emmitsburg Elementary SchoolB-
Elementary · Grades KG–5 · 0.4 mi
H
Catoctin High SchoolB-
High · Grades 9–12 · 6.6 mi
M
Thurmont Middle SchoolC-
Middle · Grades 6–8 · 7.3 mi

District: Frederick County Public Schools

Neighborhood · ZIP 21727These 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.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.71
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
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.0.6%
PopulationHow many people live in this area.6,589
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.205 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,199
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,662
Average tempThe average temperature here across a full year.53°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%

Owner Tools

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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

45 Federal Ave 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 88% of homes in Frederick County
  • Smaller than 84% of homes in Frederick County
  • Older than 76% of homes in Frederick County

What homes are worth in Emmitsburg 21727

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

This home
$159K$791K

This home is worth more than 38% of homes in Emmitsburg 21727.

How it measures up in Emmitsburg 21727

The dot is this home. The mark in the middle is the typical home in Emmitsburg 21727.

Estimated value$306,199
CheaperTypical $342,631Pricier

Pricier than 38% of homes nearby

Price per ft²$219
CheaperTypical $206Pricier

Pricier than 58% of homes nearby

Living area1,400 ft²
SmallerTypical 1,692 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.31 ac
SmallerTypical 0.47 acBigger

Bigger than 41% of homes nearby

Year built1972
OlderTypical 1970Newer

Newer than 52% of homes nearby

How 45 Federal Ave ranks against every home in each area.
MeasureThis homeEmmitsburg 21727Frederick County
Estimated valuepricier than$306,19938% of homes12% of homes
Price per ft²pricier than$21958% of homes43% of homes
Living areabigger than1,400 ft²33% of homes16% of homes
Lot sizebigger than0.31 ac41% of homes60% of homes
Year builtnewer than197252% of homes24% of homes

About 45 Federal Ave

How much is 45 Federal Ave, Emmitsburg, MD worth?

The TopHap Estimate for 45 Federal Ave, Emmitsburg, MD is $306,199 as of Sep 24, 2026. The likely range is $241,788 to $370,610. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Federal Ave, Emmitsburg, MD last sell?

45 Federal Ave, Emmitsburg, MD last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 45 Federal Ave, Emmitsburg, MD?

45 Federal Ave, Emmitsburg, MD has 1.5 bathrooms, 1,400 square feet of living space and a 0.31-acre lot.

When was 45 Federal Ave, Emmitsburg, MD built?

45 Federal Ave, Emmitsburg, MD was built in 1972, making it 54 years old. It is a conventional home. The building has 1 story.

What schools serve 45 Federal Ave, Emmitsburg, MD?

45 Federal Ave, Emmitsburg, MD is assigned to Emmitsburg Elementary School (elementary), rated B-; Catoctin High School (high), rated B-; Thurmont Middle School (middle), rated C-. All sit in Frederick County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Federal Ave, Emmitsburg, MD compare to other homes in Emmitsburg 21727?

Among the 1,683 homes in Emmitsburg 21727, it is worth more than 38% of them ($306,199 against a typical $342,631), its price per square foot is higher than 58% of them ($219 against a typical $206), it is bigger than 33% of them (1,400 ft² against a typical 1,692 ft²), its lot is bigger than 41% of them (0.31 ac against a typical 0.47 ac) and it is newer than 52% of them (1972 against a typical 1970). Measured against all of Frederick County, it is worth more than 12% 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 45 Federal Ave, Emmitsburg, MD?

The 2025 property tax bill for 45 Federal Ave, Emmitsburg, MD was $3,557. The county assessed it at $242,200.

More homes on Federal Ave

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Assigned schools

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