Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$660,652$300 / 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 88How 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 $32,000 on May 22, 1986

1095 RIVER BAY RD

ANNAPOLIS, MD 21409
3 / 1
Baths
2,203 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.
0.69 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$661K
$584K low$738K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$32,000 · May 22, 1986
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.$629,366
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$503,493
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.5%
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.$31,286
CITIMORTGAGE INC · E · recorded Oct 20, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,367 (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.$517,933 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$491,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$570,000

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.25
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
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.15 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.0.69
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Built-in
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.Water
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 196 ft²Porch · 70 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Cape St. Claire Elementary SchoolA-
Elementary · Grades PK–5 · 0.8 mi
H
Broadneck High SchoolA-
High · Grades 9–12 · 0.9 mi
M
Magothy River Middle SchoolA
Middle · Grades 6–8 · 3.7 mi

District: Anne Arundel County Public Schools

Neighborhood · ZIP 21409These 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.77
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.1%
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.19,947
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,056 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$139,607
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$177,018
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%

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

1095 River Bay 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 80% of homes in College Parkway
  • Costs less per square foot than 70% of homes in College Parkway
  • Bigger than 83% of homes in College Parkway
  • Has a bigger lot than 96% of homes in College Parkway
  • Newer than 80% of homes in College Parkway

What homes are worth in Annapolis 21409

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

This home
$326K$2.4M

This home is worth more than 60% of homes in Annapolis 21409.

How it measures up in Annapolis 21409

The dot is this home. The mark in the middle is the typical home in Annapolis 21409.

Estimated value$660,652
CheaperTypical $577,415Pricier

Pricier than 60% of homes nearby

Price per ft²$300
CheaperTypical $343Pricier

Pricier than 30% of homes nearby

Living area2,203 ft²
SmallerTypical 1,760 ft²Bigger

Bigger than 67% of homes nearby

Lot size0.69 ac
SmallerTypical 0.23 acBigger

Bigger than 79% of homes nearby

Year built1988
OlderTypical 1981Newer

Newer than 69% of homes nearby

How 1095 River Bay Rd ranks against every home in each area.
MeasureThis homeCollege ParkwayAnnapolis 21409Anne Arundel County
Estimated valuepricier than$660,65280% of homes60% of homes71% of homes
Price per ft²pricier than$30030% of homes30% of homes47% of homes
Living areabigger than2,203 ft²83% of homes67% of homes73% of homes
Lot sizebigger than0.69 ac96% of homes79% of homes84% of homes
Year builtnewer than198880% of homes69% of homes59% of homes

About 1095 River Bay Rd

How much is 1095 River Bay Rd, Annapolis, MD worth?

The TopHap Estimate for 1095 River Bay Rd, Annapolis, MD is $660,652 as of Jul 14, 2026. The likely range is $583,637 to $737,667. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1095 River Bay Rd, Annapolis, MD last sell?

1095 River Bay Rd, Annapolis, MD last sold on May 22, 1986 for $32,000, according to the county's recorded deed.

How big is 1095 River Bay Rd, Annapolis, MD?

1095 River Bay Rd, Annapolis, MD has 3 bathrooms, 2,203 square feet of living space and a 0.69-acre lot.

When was 1095 River Bay Rd, Annapolis, MD built?

1095 River Bay Rd, Annapolis, MD was built in 1988, making it 38 years old. It is a conventional home. The building has 2 stories.

What schools serve 1095 River Bay Rd, Annapolis, MD?

1095 River Bay Rd, Annapolis, MD is assigned to Cape St. Claire Elementary School (elementary), rated A-; Broadneck High School (high), rated A-; Magothy River Middle School (middle), rated A. All sit in Anne Arundel County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1095 River Bay Rd, Annapolis, MD compare to other homes in Annapolis 21409?

Among the 7,767 homes in Annapolis 21409, it is worth more than 60% of them ($660,652 against a typical $577,415), its price per square foot is higher than 30% of them ($300 against a typical $343), it is bigger than 67% of them (2,203 ft² against a typical 1,760 ft²), its lot is bigger than 79% of them (0.69 ac against a typical 0.23 ac) and it is newer than 69% of them (1988 against a typical 1981). Measured against all of Anne Arundel County, it is worth more than 71% 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 1095 River Bay Rd, Annapolis, MD?

The 2025 property tax bill for 1095 River Bay Rd, Annapolis, MD was $4,367. The county assessed it at $517,933.

Closest homes

More homes in Annapolis 21409

Assigned schools

Explore the area

See this home in context

Open 1095 River Bay Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map