Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$590,360$289 / 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 $290,000 on Dec 2, 2016

48620 SMITH DR

RIDGE, MD 20680
2
Baths
2,044 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.
5.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1934
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$590K
$525K low$656K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$290,000 · Dec 2, 2016
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.102%
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.$630,000
CEDAR POINT FCU · recorded May 27, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,536 (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.$697,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$411,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$286,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$638,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$697,900

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.48
40
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
84
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
85
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
6
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.8 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.1 percent flood zone

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
CountyST. MARY'S
Lot (acres)The size of the land the home sits on, from county records.5.21
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.Waterfront-Not Specified
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 60 ft²Shed · 464 ft²Porch · 450 ft²Boat access

Transaction History(3)

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
Ridge Elementary SchoolC
Elementary · Grades PK–5 · 2.0 mi
M
Spring Ridge Middle SchoolC
Middle · Grades 6–8 · 5.8 mi
H
Great Mills High SchoolD+
High · Grades 9–12 · 9.6 mi

District: St. Marys County Public Schools

Neighborhood · ZIP 20680These 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.154
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.32

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.79%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.8%
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.653
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.67 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$105,299
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$120,317
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

48620 Smith Dr 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 81% of homes in St. Mary's County
  • Costs more per square foot than 78% of homes in St. Mary's County
  • Bigger than 68% of homes in Ridge 20680
  • Has a bigger lot than 92% of homes in St. Mary's County
  • Older than 97% of homes in St. Mary's County

What homes are worth in Ridge 20680

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

This home
$135K$1M

This home is worth more than 73% of homes in Ridge 20680.

How it measures up in Ridge 20680

The dot is this home. The mark in the middle is the typical home in Ridge 20680.

Estimated value$590,360
CheaperTypical $445,273Pricier

Pricier than 73% of homes nearby

Price per ft²$289
CheaperTypical $256Pricier

Pricier than 65% of homes nearby

Living area2,044 ft²
SmallerTypical 1,704 ft²Bigger

Bigger than 68% of homes nearby

Lot size5.21 ac
SmallerTypical 1.31 acBigger

Bigger than 90% of homes nearby

Year built1934
OlderTypical 1971Newer

Newer than 8% of homes nearby

How 48620 Smith Dr ranks against every home in each area.
MeasureThis homeRidge 20680St. Mary's County
Estimated valuepricier than$590,36073% of homes81% of homes
Price per ft²pricier than$28965% of homes78% of homes
Living areabigger than2,044 ft²68% of homes60% of homes
Lot sizebigger than5.21 ac90% of homes92% of homes
Year builtnewer than19348% of homes3% of homes

About 48620 Smith Dr

How much is 48620 Smith Dr, Ridge, MD worth?

The TopHap Estimate for 48620 Smith Dr, Ridge, MD is $590,360 as of Jul 14, 2026. The likely range is $525,157 to $655,563. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 48620 Smith Dr, Ridge, MD last sell?

48620 Smith Dr, Ridge, MD last sold on Dec 2, 2016 for $290,000, according to the county's recorded deed.

How big is 48620 Smith Dr, Ridge, MD?

48620 Smith Dr, Ridge, MD has 2 bathrooms, 2,044 square feet of living space and a 5.21-acre lot.

When was 48620 Smith Dr, Ridge, MD built?

48620 Smith Dr, Ridge, MD was built in 1934, making it 92 years old. The building has 2 stories.

What schools serve 48620 Smith Dr, Ridge, MD?

48620 Smith Dr, Ridge, MD is assigned to Ridge Elementary School (elementary), rated C; Spring Ridge Middle School (middle), rated C; Great Mills High School (high), rated D+. All sit in St. Marys County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 48620 Smith Dr, Ridge, MD compare to other homes in Ridge 20680?

Among the 439 homes in Ridge 20680, it is worth more than 73% of them ($590,360 against a typical $445,273), its price per square foot is higher than 65% of them ($289 against a typical $256), it is bigger than 68% of them (2,044 ft² against a typical 1,704 ft²), its lot is bigger than 90% of them (5.21 ac against a typical 1.31 ac) and it is newer than 8% of them (1934 against a typical 1971). Measured against all of St. Mary's County, it is worth more than 81% 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 48620 Smith Dr, Ridge, MD?

The 2025 property tax bill for 48620 Smith Dr, Ridge, MD was $5,536. The county assessed it at $697,900.

Closest homes

More homes in Ridge 20680

Assigned schools

Explore the area

See this home in context

Open 48620 Smith Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map