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Single Family ResidenceResidential
$303,308$140 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $240,000 on Jan 20, 2021

109 ARMSTRONG ST

FROSTBURG, MD 21532
2.5
Baths
2,160 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.
0.44 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$303K
$282K low$325K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$240,000 · Jan 20, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,817 (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.$257,333 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$247,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$277,400

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.43
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
66
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
48
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.Single Family Residence
CountyALLEGANY
Lot (acres)The size of the land the home sits on, from county records.0.44
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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 · 240 ft²Shed · 240 ft²

Transaction History(3)

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
Mountain Ridge High SchoolB
High · Grades 9–12 · 0.6 mi
E
Beall Elementary SchoolA
Elementary · Grades PK–5 · 0.9 mi
M
Mount Savage Middle SchoolB-
Middle · Grades 6–8 · 4.5 mi

District: Allegany County Public Schools

Neighborhood · ZIP 21532These 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.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.35

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.19%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.12,743
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.161 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,892
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,604
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.43 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

109 Armstrong St 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 91% of homes in Allegany County
  • Costs more per square foot than 71% of homes in Allegany County
  • Bigger than 86% of homes in Allegany County
  • Newer than 97% of homes in Allegany County

What homes are worth in Frostburg 21532

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

This home
$50K$463K

This home is worth more than 87% of homes in Frostburg 21532.

How it measures up in Frostburg 21532

The dot is this home. The mark in the middle is the typical home in Frostburg 21532.

Estimated value$303,308
CheaperTypical $163,654Pricier

Pricier than 87% of homes nearby

Price per ft²$140
CheaperTypical $113Pricier

Pricier than 66% of homes nearby

Living area2,160 ft²
SmallerTypical 1,484 ft²Bigger

Bigger than 84% of homes nearby

Lot size0.44 ac
SmallerTypical 0.34 acBigger

Bigger than 59% of homes nearby

Year built2008
OlderTypical 1954Newer

Newer than 96% of homes nearby

How 109 Armstrong St ranks against every home in each area.
MeasureThis homeFrostburg 21532Allegany County
Estimated valuepricier than$303,30887% of homes91% of homes
Price per ft²pricier than$14066% of homes71% of homes
Living areabigger than2,160 ft²84% of homes86% of homes
Lot sizebigger than0.44 ac59% of homes64% of homes
Year builtnewer than200896% of homes97% of homes

About 109 Armstrong St

How much is 109 Armstrong St, Frostburg, MD worth?

The TopHap Estimate for 109 Armstrong St, Frostburg, MD is $303,308 as of Sep 24, 2026. The likely range is $281,547 to $325,069. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Armstrong St, Frostburg, MD last sell?

109 Armstrong St, Frostburg, MD last sold on Jan 20, 2021 for $240,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Armstrong St, Frostburg, MD?

109 Armstrong St, Frostburg, MD has 2.5 bathrooms, 2,160 square feet of living space and a 0.44-acre lot.

When was 109 Armstrong St, Frostburg, MD built?

109 Armstrong St, Frostburg, MD was built in 2008, making it 18 years old. The building has 2 stories.

What schools serve 109 Armstrong St, Frostburg, MD?

109 Armstrong St, Frostburg, MD is assigned to Mountain Ridge High School (high), rated B; Beall Elementary School (elementary), rated A; Mount Savage Middle School (middle), rated B-. All sit in Allegany County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Armstrong St, Frostburg, MD compare to other homes in Frostburg 21532?

Among the 5,146 homes in Frostburg 21532, it is worth more than 87% of them ($303,308 against a typical $163,654), its price per square foot is higher than 66% of them ($140 against a typical $113), it is bigger than 84% of them (2,160 ft² against a typical 1,484 ft²), its lot is bigger than 59% of them (0.44 ac against a typical 0.34 ac) and it is newer than 96% of them (2008 against a typical 1954). Measured against all of Allegany County, it is worth more than 91% 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 109 Armstrong St, Frostburg, MD?

The 2025 property tax bill for 109 Armstrong St, Frostburg, MD was $2,817. The county assessed it at $257,333.

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