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TownhouseResidential
$413,394$287 / 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 96How 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 $200,000 on Dec 7, 2004

8632 SPRUCE RUN CT

ELLICOTT CITY, MD 21043
3.5
Baths
1,440 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.
2,588 ft²
Lot SizeThe size of the land the home sits on, from county records.
1983
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$413K
$399K low$428K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$200,000 · Dec 7, 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.$71,194
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$56,955
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.81%
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.$287,200
WELLS FARGO BANK NA · recorded Dec 10, 2012
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.$55,000
CARDINAL FINANCIAL COMPANY LP

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,092 (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.$370,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$110,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$260,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$344,233
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$370,600

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.44
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
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.
52
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
StyleThe architectural style of the home, such as ranch or colonial.Townhouse
CountyHOWARD
Lot (acres)The size of the land the home sits on, from county records.0.06
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
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.Deck · 128 ft²Patio · 192 ft²

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.

H
Howard High SchoolA+
High · Grades 9–12 · 0.3 mi
E
Phelps Luck Elementary SchoolA-
Elementary · Grades PK–5 · 0.7 mi
M
Bonnie Branch Middle SchoolB+
Middle · Grades 6–8 · 1.9 mi

District: Howard County Public Schools

Neighborhood · ZIP 21043These 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.86
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 100.44

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.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.8%
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.48,279
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,799 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$138,854
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$163,449
Average tempThe average temperature here across a full year.55°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

8632 Spruce Run Ct 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 87% of homes in Ellicott City 21043
  • Costs less per square foot than 69% of homes in Ellicott City 21043
  • Smaller than 75% of homes in Ellicott City 21043
  • Has a smaller lot than 82% of homes in Howard County
  • Older than 81% of homes in Ellicott City 21043

What homes are worth in Ellicott City 21043

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

This home
$287K$1.2M

This home is worth more than 13% of homes in Ellicott City 21043.

How it measures up in Ellicott City 21043

The dot is this home. The mark in the middle is the typical home in Ellicott City 21043.

Estimated value$413,394
CheaperTypical $639,123Pricier

Pricier than 13% of homes nearby

Price per ft²$287
CheaperTypical $313Pricier

Pricier than 31% of homes nearby

Living area1,440 ft²
SmallerTypical 2,031 ft²Bigger

Bigger than 25% of homes nearby

Lot size2,588 ft²
SmallerTypical 0.33 acBigger

Bigger than 20% of homes nearby

Year built1983
OlderTypical 1993Newer

Newer than 19% of homes nearby

How 8632 Spruce Run Ct ranks against every home in each area.
MeasureThis homeEllicott City 21043Howard County
Estimated valuepricier than$413,39413% of homes17% of homes
Price per ft²pricier than$28731% of homes35% of homes
Living areabigger than1,440 ft²25% of homes25% of homes
Lot sizebigger than2,588 ft²20% of homes18% of homes
Year builtnewer than198319% of homes35% of homes

About 8632 Spruce Run Ct

How much is 8632 Spruce Run Ct, Ellicott City, MD worth?

The TopHap Estimate for 8632 Spruce Run Ct, Ellicott City, MD is $413,394 as of Jul 14, 2026. The likely range is $398,780 to $428,008. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 8632 Spruce Run Ct, Ellicott City, MD last sell?

8632 Spruce Run Ct, Ellicott City, MD last sold on Dec 7, 2004 for $200,000, according to the county's recorded deed.

How big is 8632 Spruce Run Ct, Ellicott City, MD?

8632 Spruce Run Ct, Ellicott City, MD has 3.5 bathrooms, 1,440 square feet of living space and a 0.06-acre lot.

When was 8632 Spruce Run Ct, Ellicott City, MD built?

8632 Spruce Run Ct, Ellicott City, MD was built in 1983, making it 43 years old. It is a townhouse home. The building has 2 stories.

What schools serve 8632 Spruce Run Ct, Ellicott City, MD?

8632 Spruce Run Ct, Ellicott City, MD is assigned to Howard High School (high), rated A+; Phelps Luck Elementary School (elementary), rated A-; Bonnie Branch Middle School (middle), rated B+. All sit in Howard County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 8632 Spruce Run Ct, Ellicott City, MD compare to other homes in Ellicott City 21043?

Among the 14,448 homes in Ellicott City 21043, it is worth more than 13% of them ($413,394 against a typical $639,123), its price per square foot is higher than 31% of them ($287 against a typical $313), it is bigger than 25% of them (1,440 ft² against a typical 2,031 ft²), its lot is bigger than 20% of them (2,588 ft² against a typical 0.33 ac) and it is newer than 19% of them (1983 against a typical 1993). Measured against all of Howard County, it is worth more than 17% 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 8632 Spruce Run Ct, Ellicott City, MD?

The 2025 property tax bill for 8632 Spruce Run Ct, Ellicott City, MD was $5,092. The county assessed it at $370,600.

Closest homes

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Assigned schools

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