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Single Family ResidenceResidential
$551,253$323 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

109 GARDNER DR

ANNAPOLIS, MD 21403
2
Baths
1,706 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.
1983
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$551K
$517K low$586K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,159 (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.$444,800 (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.$203,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$430,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$444,800

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.15
45
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.10 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.Split Foyer
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.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
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 · 80 ft²

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 SchoolC
Middle · Grades 6–8 · 1.8 mi
H
Annapolis High SchoolC
High · Grades 9–12 · 4.6 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

109 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 73% of homes in Hillsmere Shores
  • Costs more per square foot than 76% of homes in Anne Arundel County

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
$258K$3M

This home is worth more than 36% 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$551,253
CheaperTypical $664,073Pricier

Pricier than 36% of homes nearby

Price per ft²$323
CheaperTypical $364Pricier

Pricier than 36% of homes nearby

Living area1,706 ft²
SmallerTypical 1,712 ft²Bigger

Bigger than 50% of homes nearby

Lot size0.26 ac
SmallerTypical 0.2 acBigger

Bigger than 61% of homes nearby

Year built1983
OlderTypical 1980Newer

Newer than 56% of homes nearby

How 109 Gardner Dr ranks against every home in each area.
MeasureThis homeHillsmere ShoresAnnapolis 21403Anne Arundel County
Estimated valuepricier than$551,25327% of homes36% of homes59% of homes
Price per ft²pricier than$32346% of homes36% of homes76% of homes
Living areabigger than1,706 ft²37% of homes50% of homes42% of homes
Lot sizebigger than0.26 ac41% of homes61% of homes63% of homes
Year builtnewer than198345% of homes56% of homes50% of homes

About 109 Gardner Dr

How much is 109 Gardner Dr, Annapolis, MD worth?

The TopHap Estimate for 109 Gardner Dr, Annapolis, MD is $551,253 as of Aug 30, 2026. The likely range is $516,573 to $585,933. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Gardner Dr, Annapolis, MD last sell?

109 Gardner Dr, Annapolis, MD last sold on Jun 10, 2002, according to the county's recorded deed.

How big is 109 Gardner Dr, Annapolis, MD?

109 Gardner Dr, Annapolis, MD has 2 bathrooms, 1,706 square feet of living space and a 0.26-acre lot.

When was 109 Gardner Dr, Annapolis, MD built?

109 Gardner Dr, Annapolis, MD was built in 1983, making it 43 years old. It is a split foyer home. The building has 1 story.

What schools serve 109 Gardner Dr, Annapolis, MD?

109 Gardner Dr, Annapolis, MD is assigned to Hillsmere Elementary School (elementary), rated A; Annapolis Middle School (middle), rated C; 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 109 Gardner Dr, Annapolis, MD compare to other homes in Annapolis 21403?

Among the 11,835 homes in Annapolis 21403, it is worth more than 36% of them ($551,253 against a typical $664,073), its price per square foot is higher than 36% of them ($323 against a typical $364), it is bigger than 50% of them (1,706 ft² against a typical 1,712 ft²), its lot is bigger than 61% of them (0.26 ac against a typical 0.2 ac) and it is newer than 56% of them (1983 against a typical 1980). Measured against all of Anne Arundel County, it is worth more than 59% 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 Gardner Dr, Annapolis, MD?

The 2025 property tax bill for 109 Gardner Dr, Annapolis, MD was $3,159. The county assessed it at $444,800.

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