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Single Family ResidenceResidential
$522,936$374 / 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 Oct 21, 2026
Last sold for $126,000 on Oct 28, 1988

103 GARDNER DR

ANNAPOLIS, MD 21403
1.5
Baths
1,400 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.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1965
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$523K
$481K low$565K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$126,000 · Oct 28, 1988

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,381 (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.$408,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$241,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$166,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$390,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$408,600

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.16
48
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Conventional
CountyANNE ARUNDEL
Lot (acres)The size of the land the home sits on, from county records.0.26
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
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 · 360 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
Hillsmere Elementary SchoolA
Elementary · Grades EE–5 · 0.6 mi
M
Annapolis Middle SchoolD-
Middle · Grades 6–8 · 1.8 mi
H
Annapolis High SchoolC-
High · Grades 9–12 · 4.7 mi

District: Anne Arundel County Public Schools

Neighborhood · ZIP 21403These 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.130
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.92%
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.8.5%
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.32,838
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,339 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$117,902
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$161,719
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%

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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

103 Gardner Dr 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 74% of homes in Hillsmere Shores
  • Costs more per square foot than 87% of homes in Anne Arundel County
  • Smaller than 82% of homes in Hillsmere Shores
  • Older than 81% of homes in Hillsmere Shores

What homes are worth in Annapolis 21403

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

This home
$265K$2.9M

This home is worth more than 34% of homes in Annapolis 21403.

How it measures up in Annapolis 21403

The dot is this home. The mark in the middle is the typical home in Annapolis 21403.

Estimated value$522,936
CheaperTypical $655,994Pricier

Pricier than 34% of homes nearby

Price per ft²$374
CheaperTypical $361Pricier

Pricier than 54% of homes nearby

Living area1,400 ft²
SmallerTypical 1,710 ft²Bigger

Bigger than 34% of homes nearby

Lot size0.26 ac
SmallerTypical 0.2 acBigger

Bigger than 61% of homes nearby

Year built1965
OlderTypical 1980Newer

Newer than 28% of homes nearby

How 103 Gardner Dr ranks against every home in each area.
MeasureThis homeHillsmere ShoresAnnapolis 21403Anne Arundel County
Estimated valuepricier than$522,93626% of homes34% of homes54% of homes
Price per ft²pricier than$37472% of homes54% of homes87% of homes
Living areabigger than1,400 ft²18% of homes34% of homes24% of homes
Lot sizebigger than0.26 ac41% of homes61% of homes63% of homes
Year builtnewer than196519% of homes28% of homes27% of homes

About 103 Gardner Dr

How much is 103 Gardner Dr, Annapolis, MD worth?

The TopHap Estimate for 103 Gardner Dr, Annapolis, MD is $522,936 as of Oct 21, 2026. The likely range is $480,621 to $565,251. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 103 Gardner Dr, Annapolis, MD last sell?

103 Gardner Dr, Annapolis, MD last sold on Oct 28, 1988 for $126,000, according to the county's recorded deed.

How big is 103 Gardner Dr, Annapolis, MD?

103 Gardner Dr, Annapolis, MD has 1.5 bathrooms, 1,400 square feet of living space and a 0.26-acre lot.

When was 103 Gardner Dr, Annapolis, MD built?

103 Gardner Dr, Annapolis, MD was built in 1965, making it 61 years old. It is a conventional home. The building has 1 story.

What schools serve 103 Gardner Dr, Annapolis, MD?

103 Gardner Dr, Annapolis, MD is assigned to Hillsmere Elementary School (elementary), rated A; Annapolis Middle School (middle), rated D-; Annapolis High School (high), rated C-. All sit in Anne Arundel County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 103 Gardner Dr, Annapolis, MD compare to other homes in Annapolis 21403?

Among the 11,835 homes in Annapolis 21403, it is worth more than 34% of them ($522,936 against a typical $655,994), its price per square foot is higher than 54% of them ($374 against a typical $361), it is bigger than 34% of them (1,400 ft² against a typical 1,710 ft²), its lot is bigger than 61% of them (0.26 ac against a typical 0.2 ac) and it is newer than 28% of them (1965 against a typical 1980). Measured against all of Anne Arundel County, it is worth more than 54% 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 103 Gardner Dr, Annapolis, MD?

The 2025 property tax bill for 103 Gardner Dr, Annapolis, MD was $3,381. The county assessed it at $408,600.

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