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Single Family ResidenceResidential
$569,771$196 / 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 $372,000 on Dec 7, 2015

97 RIDGE RD

WESTMINSTER, MD 21157
2.5
Baths
2,901 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.
1.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$570K
$541K low$598K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$372,000 · Dec 7, 2015
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.$234,771
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$187,817
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.57%
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.$335,000
JFQ LENDING INC · recorded Oct 26, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,058 (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.$472,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$143,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$328,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$446,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$472,500

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.42
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
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.
87
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
37
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
CountyCARROLL
Lot (acres)The size of the land the home sits on, from county records.1.39
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
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 · 144 ft²Porch · 100 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.

M
Westminster West Middle SchoolB+
Middle · Grades 6–8 · 1.1 mi
E
Friendship Valley Elementary SchoolB-
Elementary · Grades PK–5 · 1.8 mi
H
Westminster High SchoolA-
High · Grades 9–12 · 2.3 mi

District: Carroll County Public Schools

Neighborhood · ZIP 21157These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.46

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.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.4%
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.41,419
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.542 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$105,034
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$121,439
Average tempThe average temperature here across a full year.53°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

97 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 more than 72% of homes in Westminster 21157
  • Costs less per square foot than 92% of homes in Carroll County
  • Bigger than 87% of homes in Westminster 21157
  • Has a bigger lot than 76% of homes in Westminster 21157
  • Newer than 69% of homes in Westminster 21157

What homes are worth in Westminster 21157

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

This home
$216K$947K

This home is worth more than 72% of homes in Westminster 21157.

How it measures up in Westminster 21157

The dot is this home. The mark in the middle is the typical home in Westminster 21157.

Estimated value$569,771
CheaperTypical $454,069Pricier

Pricier than 72% of homes nearby

Price per ft²$196
CheaperTypical $265Pricier

Pricier than 9% of homes nearby

Living area2,901 ft²
SmallerTypical 1,731 ft²Bigger

Bigger than 87% of homes nearby

Lot size1.39 ac
SmallerTypical 0.6 acBigger

Bigger than 76% of homes nearby

Year built1990
OlderTypical 1979Newer

Newer than 69% of homes nearby

How 97 Ridge Rd ranks against every home in each area.
MeasureThis homeWestminster 21157Carroll County
Estimated valuepricier than$569,77172% of homes68% of homes
Price per ft²pricier than$1969% of homes8% of homes
Living areabigger than2,901 ft²87% of homes87% of homes
Lot sizebigger than1.39 ac76% of homes72% of homes
Year builtnewer than199069% of homes62% of homes

About 97 Ridge Rd

How much is 97 Ridge Rd, Westminster, MD worth?

The TopHap Estimate for 97 Ridge Rd, Westminster, MD is $569,771 as of Jul 14, 2026. The likely range is $541,150 to $598,392. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 97 Ridge Rd, Westminster, MD last sell?

97 Ridge Rd, Westminster, MD last sold on Dec 7, 2015 for $372,000, according to the county's recorded deed.

How big is 97 Ridge Rd, Westminster, MD?

97 Ridge Rd, Westminster, MD has 2.5 bathrooms, 2,901 square feet of living space and a 1.39-acre lot.

When was 97 Ridge Rd, Westminster, MD built?

97 Ridge Rd, Westminster, MD was built in 1990, making it 36 years old. The building has 2 stories.

What schools serve 97 Ridge Rd, Westminster, MD?

97 Ridge Rd, Westminster, MD is assigned to Westminster West Middle School (middle), rated B+; Friendship Valley Elementary School (elementary), rated B-; Westminster High School (high), rated A-. All sit in Carroll County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 97 Ridge Rd, Westminster, MD compare to other homes in Westminster 21157?

Among the 12,551 homes in Westminster 21157, it is worth more than 72% of them ($569,771 against a typical $454,069), its price per square foot is higher than 9% of them ($196 against a typical $265), it is bigger than 87% of them (2,901 ft² against a typical 1,731 ft²), its lot is bigger than 76% of them (1.39 ac against a typical 0.6 ac) and it is newer than 69% of them (1990 against a typical 1979). Measured against all of Carroll County, it is worth more than 68% 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 97 Ridge Rd, Westminster, MD?

The 2025 property tax bill for 97 Ridge Rd, Westminster, MD was $5,058. The county assessed it at $472,500.

Closest homes

More homes in Westminster 21157

Assigned schools

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