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Single Family ResidenceResidential
$498,873$256 / 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

49140 HOWARD WAY

RIDGE, MD 20680
2
Baths
1,952 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.
3.68 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$499K
$446K low$551K high
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.$103,873
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$83,098
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.78%
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.$240,000
PNC MORTGAGE · recorded Jul 7, 2010
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.$155,000
NAVY FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,466 (2023)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$376,767 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$348,733
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$404,800

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.47
39
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
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.
83
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.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
CountySt. Mary's
Lot (acres)The size of the land the home sits on, from county records.3.68
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.Porch · 328 ft²

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 · 0.9 mi
M
Spring Ridge Middle SchoolC
Middle · Grades 6–8 · 6.5 mi
H
Great Mills High SchoolD+
High · Grades 9–12 · 10.6 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

49140 Howard Way 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 68% of homes in St. Mary's County
  • Bigger than 66% of homes in Ridge 20680
  • Has a bigger lot than 87% of homes in St. Mary's County
  • Newer than 81% of homes in Ridge 20680

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
$136K$1M

This home is worth more than 61% 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$498,873
CheaperTypical $445,783Pricier

Pricier than 61% of homes nearby

Price per ft²$256
CheaperTypical $257Pricier

Pricier than 49% of homes nearby

Living area1,952 ft²
SmallerTypical 1,686 ft²Bigger

Bigger than 66% of homes nearby

Lot size3.68 ac
SmallerTypical 1.32 acBigger

Bigger than 83% of homes nearby

Year built2002
OlderTypical 1971Newer

Newer than 81% of homes nearby

How 49140 Howard Way ranks against every home in each area.
MeasureThis homeRidge 20680St. Mary's County
Estimated valuepricier than$498,87361% of homes68% of homes
Price per ft²pricier than$25649% of homes64% of homes
Living areabigger than1,952 ft²66% of homes57% of homes
Lot sizebigger than3.68 ac83% of homes87% of homes
Year builtnewer than200281% of homes70% of homes

About 49140 Howard Way

How much is 49140 Howard Way, Ridge, MD worth?

The TopHap Estimate for 49140 Howard Way, Ridge, MD is $498,873 as of Jul 14, 2026. The likely range is $446,271 to $551,475. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 49140 Howard Way, Ridge, MD last sell?

49140 Howard Way, Ridge, MD last sold on Sep 18, 2000, according to the county's recorded deed.

How big is 49140 Howard Way, Ridge, MD?

49140 Howard Way, Ridge, MD has 2 bathrooms, 1,952 square feet of living space and a 3.68-acre lot.

When was 49140 Howard Way, Ridge, MD built?

49140 Howard Way, Ridge, MD was built in 2002, making it 24 years old. It is a conventional home. The building has 1 story.

What schools serve 49140 Howard Way, Ridge, MD?

49140 Howard Way, 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 49140 Howard Way, Ridge, MD compare to other homes in Ridge 20680?

Among the 439 homes in Ridge 20680, it is worth more than 61% of them ($498,873 against a typical $445,783), its price per square foot is higher than 49% of them ($256 against a typical $257), it is bigger than 66% of them (1,952 ft² against a typical 1,686 ft²), its lot is bigger than 83% of them (3.68 ac against a typical 1.32 ac) and it is newer than 81% of them (2002 against a typical 1971). Measured against all of St. Mary's County, it is worth more than 68% 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 49140 Howard Way, Ridge, MD?

The 2023 property tax bill for 49140 Howard Way, Ridge, MD was $3,466. The county assessed it at $376,767.

More homes on Howard Way

Closest homes

More homes in Ridge 20680

Assigned schools

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