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Single Family ResidenceResidential
$696,184$348 / 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 92How 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 $194,000 on Sep 20, 2021

545 FERN RD

RIVA, MD 21140
3 / 1
Baths
2,000 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$696K
$642K low$751K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$194,000 · Sep 20, 2021
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.$192,728
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$154,182
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.73%
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.$503,456
SEVERN SAVINGS BANK FSB · 4.5% 1 · recorded Sep 20, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,024 (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.$473,567 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$447,133
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$500,000

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.25
99
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
CountyAnne Arundel
Lot (acres)The size of the land the home sits on, from county records.0.23
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, Built-in
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Central Elementary SchoolB+
Elementary · Grades KG–5 · 1.9 mi
H
South River High SchoolA-
High · Grades 9–12 · 2.1 mi
M
Central Middle SchoolA-
Middle · Grades 6–8 · 2.4 mi

District: Anne Arundel County Public Schools

Neighborhood · ZIP 21140These 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.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.4%
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.2,741
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,547 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$138,675
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$180,517
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

545 Fern 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 75% of homes in Anne Arundel County
  • Costs more per square foot than 68% of homes in Anne Arundel County
  • Bigger than 65% of homes in Anne Arundel County
  • Has a smaller lot than 73% of homes in Riva 21140
  • Among the newest homes in Riva 21140

What homes are worth in Riva 21140

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

This home
$312K$1.7M

This home is worth more than 53% of homes in Riva 21140.

How it measures up in Riva 21140

The dot is this home. The mark in the middle is the typical home in Riva 21140.

Estimated value$696,184
CheaperTypical $673,164Pricier

Pricier than 53% of homes nearby

Price per ft²$348
CheaperTypical $338Pricier

Pricier than 57% of homes nearby

Living area2,000 ft²
SmallerTypical 2,112 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.23 ac
SmallerTypical 0.28 acBigger

Bigger than 27% of homes nearby

Year built2022
OlderTypical 1979Newer

Newer than almost all homes nearby

How 545 Fern Rd ranks against every home in each area.
MeasureThis homeRiva 21140Anne Arundel County
Estimated valuepricier than$696,18453% of homes75% of homes
Price per ft²pricier than$34857% of homes68% of homes
Living areabigger than2,000 ft²44% of homes65% of homes
Lot sizebigger than0.23 ac27% of homes56% of homes
Year builtnewer than2022almost all homesalmost all homes

About 545 Fern Rd

How much is 545 Fern Rd, Riva, MD worth?

The TopHap Estimate for 545 Fern Rd, Riva, MD is $696,184 as of Jul 14, 2026. The likely range is $641,647 to $750,721. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 545 Fern Rd, Riva, MD last sell?

545 Fern Rd, Riva, MD last sold on Sep 20, 2021 for $194,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 545 Fern Rd, Riva, MD?

545 Fern Rd, Riva, MD has 3 bathrooms, 2,000 square feet of living space and a 0.23-acre lot.

When was 545 Fern Rd, Riva, MD built?

545 Fern Rd, Riva, MD was built in 2022, making it 4 years old. The building has 2 stories.

What schools serve 545 Fern Rd, Riva, MD?

545 Fern Rd, Riva, MD is assigned to Central Elementary School (elementary), rated B+; South River High School (high), rated A-; Central Middle School (middle), rated A-. All sit in Anne Arundel County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 545 Fern Rd, Riva, MD compare to other homes in Riva 21140?

Among the 1,406 homes in Riva 21140, it is worth more than 53% of them ($696,184 against a typical $673,164), its price per square foot is higher than 57% of them ($348 against a typical $338), it is bigger than 44% of them (2,000 ft² against a typical 2,112 ft²), its lot is bigger than 27% of them (0.23 ac against a typical 0.28 ac) and it is newer than almost all of them (2022 against a typical 1979). Measured against all of Anne Arundel County, it is worth more than 75% 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 545 Fern Rd, Riva, MD?

The 2025 property tax bill for 545 Fern Rd, Riva, MD was $6,024. The county assessed it at $473,567.

Closest homes

More homes in Riva 21140

Assigned schools

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