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Single Family ResidenceResidential
$452,493$483 / 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 $176,900 on Nov 4, 1998

521 RIDGE RD

ANNAPOLIS, MD 21401
2
Baths
936 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.
0.71 ac
Lot SizeThe size of the land the home sits on, from county records.
1971
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$452K
$431K low$474K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$176,900 · Nov 4, 1998
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.113%
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.$227,000
FIRST ALLIANCE BANK FSB · recorded Jul 16, 2003
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.$205,416
BETTER MORTGAGE CORPORATION
3rd 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.$100,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,260 (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.$434,833 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$413,467
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$456,200

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.5
1
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.
9
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.Split Foyer
CountyAnne Arundel
Lot (acres)The size of the land the home sits on, from county records.0.71
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Electric
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.In-Ground Vinyl Pool
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 184 ft²Porch · 520 ft²

Transaction History(2)

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
Rolling Knolls Elementary SchoolA-
Elementary · Grades PK–5 · 0.3 mi
H
Annapolis High SchoolC
High · Grades 9–12 · 1.3 mi
M
Wiley H. Bates Middle SchoolC+
Middle · Grades 6–8 · 3.1 mi

District: Anne Arundel County Public Schools

Neighborhood · ZIP 21401These 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.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.38

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.3%
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.39,516
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,752 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$116,570
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$157,167
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

521 Ridge 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 less than 75% of homes in Annapolis 21401
  • Costs more per square foot than 93% of homes in Gingerville / Rolling Hills
  • Smaller than 95% of homes in Annapolis 21401
  • Has a bigger lot than 85% of homes in Annapolis 21401
  • Older than 90% of homes in Gingerville / Rolling Hills

What homes are worth in Annapolis 21401

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

This home
$254K$2.5M

This home is worth more than 25% of homes in Annapolis 21401.

How it measures up in Annapolis 21401

The dot is this home. The mark in the middle is the typical home in Annapolis 21401.

Estimated value$452,493
CheaperTypical $658,055Pricier

Pricier than 25% of homes nearby

Price per ft²$483
CheaperTypical $360Pricier

Pricier than 74% of homes nearby

Living area936 ft²
SmallerTypical 1,672 ft²Bigger

Bigger than 5% of homes nearby

Lot size0.71 ac
SmallerTypical 0.15 acBigger

Bigger than 85% of homes nearby

Year built1971
OlderTypical 1986Newer

Newer than 32% of homes nearby

How 521 Ridge Rd ranks against every home in each area.
MeasureThis homeGingerville / Rolling HillsAnnapolis 21401Anne Arundel County
Estimated valuepricier than$452,49333% of homes25% of homes40% of homes
Price per ft²pricier than$48393% of homes74% of homes92% of homes
Living areabigger than936 ft²18% of homes5% of homes6% of homes
Lot sizebigger than0.71 ac79% of homes85% of homes85% of homes
Year builtnewer than197110% of homes32% of homes32% of homes

About 521 Ridge Rd

How much is 521 Ridge Rd, Annapolis, MD worth?

The TopHap Estimate for 521 Ridge Rd, Annapolis, MD is $452,493 as of Jul 14, 2026. The likely range is $430,666 to $474,320. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 521 Ridge Rd, Annapolis, MD last sell?

521 Ridge Rd, Annapolis, MD last sold on Nov 4, 1998 for $176,900, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 521 Ridge Rd, Annapolis, MD?

521 Ridge Rd, Annapolis, MD has 2 bathrooms, 936 square feet of living space and a 0.71-acre lot.

When was 521 Ridge Rd, Annapolis, MD built?

521 Ridge Rd, Annapolis, MD was built in 1971, making it 55 years old. It is a split foyer home. The building has 1 story.

What schools serve 521 Ridge Rd, Annapolis, MD?

521 Ridge Rd, Annapolis, MD is assigned to Rolling Knolls Elementary School (elementary), rated A-; Annapolis High School (high), rated C; Wiley H. Bates Middle School (middle), rated C+. All sit in Anne Arundel County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 521 Ridge Rd, Annapolis, MD compare to other homes in Annapolis 21401?

Among the 14,236 homes in Annapolis 21401, it is worth more than 25% of them ($452,493 against a typical $658,055), its price per square foot is higher than 74% of them ($483 against a typical $360), it is bigger than 5% of them (936 ft² against a typical 1,672 ft²), its lot is bigger than 85% of them (0.71 ac against a typical 0.15 ac) and it is newer than 32% of them (1971 against a typical 1986). Measured against all of Anne Arundel County, it is worth more than 40% 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 521 Ridge Rd, Annapolis, MD?

The 2025 property tax bill for 521 Ridge Rd, Annapolis, MD was $5,260. The county assessed it at $434,833.

Closest homes

More homes in Annapolis 21401

Assigned schools

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