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Single Family ResidenceResidential
$527,173$354 / 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 95How 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 $240,000 on Jun 11, 2004

49998 RALEY RD

DAMERON, MD 20628
1
Baths
1,488 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.
0.81 ac
Lot SizeThe size of the land the home sits on, from county records.
1954
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$527K
$501K low$553K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$240,000 · Jun 11, 2004
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.$367,173
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$293,738
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.31%
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.$160,000
STATE EMPLOYEES CU (MD) · P · recorded Jun 11, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,094 (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.$445,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$339,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$105,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$419,667
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$445,000

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.50
58
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
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.
84
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.58 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.57%
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.0.81
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)
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.Porch · 938 ft²Boat access

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
Ridge Elementary SchoolC
Elementary · Grades PK–5 · 2.5 mi
M
Spring Ridge Middle SchoolC
Middle · Grades 6–8 · 5.8 mi
H
Great Mills High SchoolD+
High · Grades 9–12 · 10.7 mi

District: St. Marys County Public Schools

Neighborhood · ZIP 20628These 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.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.29

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.1,238
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.93 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$109,309
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$127,609
Average tempThe average temperature here across a full year.57°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

49998 Raley 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 72% of homes in St. Mary's County
  • Costs more per square foot than 93% of homes in St. Mary's County
  • Smaller than 67% of homes in Dameron 20628
  • Has a smaller lot than 86% of homes in Dameron 20628
  • Older than 91% of homes in St. Mary's County

What homes are worth in Dameron 20628

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

This home
$144K$1.3M

This home is worth more than 56% of homes in Dameron 20628.

How it measures up in Dameron 20628

The dot is this home. The mark in the middle is the typical home in Dameron 20628.

Estimated value$527,173
CheaperTypical $486,973Pricier

Pricier than 56% of homes nearby

Price per ft²$354
CheaperTypical $261Pricier

Pricier than 78% of homes nearby

Living area1,488 ft²
SmallerTypical 1,836 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.81 ac
SmallerTypical 2.16 acBigger

Bigger than 14% of homes nearby

Year built1954
OlderTypical 1987Newer

Newer than 16% of homes nearby

How 49998 Raley Rd ranks against every home in each area.
MeasureThis homeDameron 20628St. Mary's County
Estimated valuepricier than$527,17356% of homes72% of homes
Price per ft²pricier than$35478% of homes93% of homes
Living areabigger than1,488 ft²33% of homes37% of homes
Lot sizebigger than0.81 ac14% of homes51% of homes
Year builtnewer than195416% of homes9% of homes

About 49998 Raley Rd

How much is 49998 Raley Rd, Dameron, MD worth?

The TopHap Estimate for 49998 Raley Rd, Dameron, MD is $527,173 as of Jul 14, 2026. The likely range is $501,286 to $553,060. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 49998 Raley Rd, Dameron, MD last sell?

49998 Raley Rd, Dameron, MD last sold on Jun 11, 2004 for $240,000, according to the county's recorded deed.

How big is 49998 Raley Rd, Dameron, MD?

49998 Raley Rd, Dameron, MD has 1 bathrooms, 1,488 square feet of living space and a 0.81-acre lot.

When was 49998 Raley Rd, Dameron, MD built?

49998 Raley Rd, Dameron, MD was built in 1954, making it 72 years old. The building has 1 story.

What schools serve 49998 Raley Rd, Dameron, MD?

49998 Raley Rd, Dameron, 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 49998 Raley Rd, Dameron, MD compare to other homes in Dameron 20628?

Among the 300 homes in Dameron 20628, it is worth more than 56% of them ($527,173 against a typical $486,973), its price per square foot is higher than 78% of them ($354 against a typical $261), it is bigger than 33% of them (1,488 ft² against a typical 1,836 ft²), its lot is bigger than 14% of them (0.81 ac against a typical 2.16 ac) and it is newer than 16% of them (1954 against a typical 1987). Measured against all of St. Mary's County, it is worth more than 72% 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 49998 Raley Rd, Dameron, MD?

The 2025 property tax bill for 49998 Raley Rd, Dameron, MD was $4,094. The county assessed it at $445,000.

Closest homes

More homes in Dameron 20628

Assigned schools

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