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CondominiumResidential
$274,849$204 / 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 94How 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 $200,000 on Nov 13, 2020

4520A RATCLIFF PL # 36K

WALDORF, MD 20602
3 / 1
Baths
1,350 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.
1977
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$275K
$259K low$291K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$200,000 · Nov 13, 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.$71,349
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$57,079
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.$203,500
NAVY FCU · recorded Nov 13, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,071 (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.$204,933 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$185,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$243,800

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.41
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
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.
80
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
23
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Townhouse
CountyCharles
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
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

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
Eva Turner Elementary SchoolD
Elementary · Grades PK–5 · 0.1 mi
M
Benjamin Stoddert Middle SchoolF
Middle · Grades 6–8 · 0.6 mi
H
St. Charles High SchoolD
High · Grades 9–12 · 1.8 mi

District: Charles County Public Schools

Neighborhood · ZIP 20602These 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.100
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.97%
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.6.7%
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.28,712
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,045 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$101,341
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$124,450
Average tempThe average temperature here across a full year.56°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

4520a Ratcliff Pl # 36k 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 95% of homes in Charles County
  • Costs less per square foot than 76% of homes in Waldorf 20602
  • Smaller than 77% of homes in Charles County
  • Older than 74% of homes in Charles County

What homes are worth in Waldorf 20602

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

This home
$253K$631K

This home is worth more than 7% of homes in Waldorf 20602.

How it measures up in Waldorf 20602

The dot is this home. The mark in the middle is the typical home in Waldorf 20602.

Estimated value$274,849
CheaperTypical $388,000Pricier

Pricier than 7% of homes nearby

Price per ft²$204
CheaperTypical $233Pricier

Pricier than 24% of homes nearby

Living area1,350 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 35% of homes nearby

Year built1977
OlderTypical 1981Newer

Newer than 35% of homes nearby

How 4520a Ratcliff Pl # 36k ranks against every home in each area.
MeasureThis homeWaldorf 20602Charles County
Estimated valuepricier than$274,8497% of homes5% of homes
Price per ft²pricier than$20424% of homes30% of homes
Living areabigger than1,350 ft²35% of homes23% of homes
Year builtnewer than197735% of homes26% of homes

About 4520a Ratcliff Pl # 36k

How much is 4520a Ratcliff Pl # 36k, Waldorf, MD worth?

The TopHap Estimate for 4520a Ratcliff Pl # 36k, Waldorf, MD is $274,849 as of Jul 14, 2026. The likely range is $258,844 to $290,854. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4520a Ratcliff Pl # 36k, Waldorf, MD last sell?

4520a Ratcliff Pl # 36k, Waldorf, MD last sold on Nov 13, 2020 for $200,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 4520a Ratcliff Pl # 36k, Waldorf, MD?

4520a Ratcliff Pl # 36k, Waldorf, MD has 3 bathrooms and 1,350 square feet of living space.

When was 4520a Ratcliff Pl # 36k, Waldorf, MD built?

4520a Ratcliff Pl # 36k, Waldorf, MD was built in 1977, making it 49 years old. It is a townhouse home. The building has 2 stories.

What schools serve 4520a Ratcliff Pl # 36k, Waldorf, MD?

4520a Ratcliff Pl # 36k, Waldorf, MD is assigned to Eva Turner Elementary School (elementary), rated D; Benjamin Stoddert Middle School (middle), rated F; St. Charles High School (high), rated D. All sit in Charles County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4520a Ratcliff Pl # 36k, Waldorf, MD compare to other homes in Waldorf 20602?

Among the 8,550 homes in Waldorf 20602, it is worth more than 7% of them ($274,849 against a typical $388,000), its price per square foot is higher than 24% of them ($204 against a typical $233), it is bigger than 35% of them (1,350 ft² against a typical 1,560 ft²) and it is newer than 35% of them (1977 against a typical 1981). Measured against all of Charles County, it is worth more than 5% 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 4520a Ratcliff Pl # 36k, Waldorf, MD?

The 2025 property tax bill for 4520a Ratcliff Pl # 36k, Waldorf, MD was $3,071. The county assessed it at $204,933.

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Assigned schools

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