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Rural ResidenceResidential
$626,715$297 / 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 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

655 RAY RD

SUNDERLAND, MD 20689
3
Baths
2,108 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.
15 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$627K
$549K low$704K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,529 (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.$327,767 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$306,533
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$349,000

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
80
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. 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.Rural Residence
CountyCALVERT
Lot (acres)The size of the land the home sits on, from county records.15.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Baseboard
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, Detached
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 · 972 ft²Shed · 1,120 ft²Porch · 180 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
Sunderland Elementary SchoolA
Elementary · Grades PK–5 · 1.0 mi
H
Huntingtown High SchoolB+
High · Grades 9–12 · 2.8 mi
M
Windy Hill Middle SchoolA-
Middle · Grades 6–8 · 4.0 mi

District: Calvert County Public Schools

Neighborhood · ZIP 20689These 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.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.8%
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.3,066
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.391 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$134,792
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$168,814
Average tempThe average temperature here across a full year.56°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%

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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

655 Ray 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 74% of homes in Calvert County
  • Has a bigger lot than 98% of homes in Calvert County
  • Older than 98% of homes in Sunderland 20689

What homes are worth in Sunderland 20689

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

This home
$214K$1M

This home is worth more than 62% of homes in Sunderland 20689.

How it measures up in Sunderland 20689

The dot is this home. The mark in the middle is the typical home in Sunderland 20689.

Estimated value$626,715
CheaperTypical $563,877Pricier

Pricier than 62% of homes nearby

Price per ft²$297
CheaperTypical $278Pricier

Pricier than 62% of homes nearby

Living area2,108 ft²
SmallerTypical 2,007 ft²Bigger

Bigger than 53% of homes nearby

Lot size15 ac
SmallerTypical 2.15 acBigger

Bigger than 96% of homes nearby

Year built1930
OlderTypical 1988Newer

Newer than 2% of homes nearby

How 655 Ray Rd ranks against every home in each area.
MeasureThis homeSunderland 20689Calvert County
Estimated valuepricier than$626,71562% of homes74% of homes
Price per ft²pricier than$29762% of homes62% of homes
Living areabigger than2,108 ft²53% of homes64% of homes
Lot sizebigger than15 ac96% of homes98% of homes
Year builtnewer than19302% of homes2% of homes

About 655 Ray Rd

How much is 655 Ray Rd, Sunderland, MD worth?

The TopHap Estimate for 655 Ray Rd, Sunderland, MD is $626,715 as of Oct 21, 2026. The likely range is $549,185 to $704,245. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 655 Ray Rd, Sunderland, MD last sell?

655 Ray Rd, Sunderland, MD last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 655 Ray Rd, Sunderland, MD?

655 Ray Rd, Sunderland, MD has 3 bathrooms, 2,108 square feet of living space and a 15.00-acre lot.

When was 655 Ray Rd, Sunderland, MD built?

655 Ray Rd, Sunderland, MD was built in 1930, making it 96 years old. The building has 2 stories.

What schools serve 655 Ray Rd, Sunderland, MD?

655 Ray Rd, Sunderland, MD is assigned to Sunderland Elementary School (elementary), rated A; Huntingtown High School (high), rated B+; Windy Hill Middle School (middle), rated A-. All sit in Calvert County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 655 Ray Rd, Sunderland, MD compare to other homes in Sunderland 20689?

Among the 676 homes in Sunderland 20689, it is worth more than 62% of them ($626,715 against a typical $563,877), its price per square foot is higher than 62% of them ($297 against a typical $278), it is bigger than 53% of them (2,108 ft² against a typical 2,007 ft²), its lot is bigger than 96% of them (15 ac against a typical 2.15 ac) and it is newer than 2% of them (1930 against a typical 1988). Measured against all of Calvert County, it is worth more than 74% 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 655 Ray Rd, Sunderland, MD?

The 2025 property tax bill for 655 Ray Rd, Sunderland, MD was $3,529. The county assessed it at $327,767.

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