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Single Family ResidenceResidential
$1,138,123$801 / 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 Jul 14, 2026

1098 RIVER BAY RD

ANNAPOLIS, MD 21409
2 / 1
Baths
1,421 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.
0.54 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.1M
$1.1M low$1.2M high
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.$1,063,123
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$850,498
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.7%
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.$75,000
BRANCH BANKING AND TRUST CO · recorded Jul 28, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,982 (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.$1,257,933 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,157,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,458,800

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.25
100
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.192 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.1 percent flood zone

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.0.54
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Baseboard
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.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 444 ft²Boat access

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.

E
Cape St. Claire Elementary SchoolA-
Elementary · Grades PK–5 · 0.9 mi
H
Broadneck High SchoolA-
High · Grades 9–12 · 1.0 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

1098 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 95% of homes in College Parkway
  • Among the highest price per square foot in College Parkway
  • Smaller than 66% of homes in Annapolis 21409
  • Has a bigger lot than 94% of homes in College Parkway
  • Older than 95% 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 86% 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$1,138,123
CheaperTypical $577,415Pricier

Pricier than 86% of homes nearby

Price per ft²$801
CheaperTypical $343Pricier

Pricier than 98% of homes nearby

Living area1,421 ft²
SmallerTypical 1,760 ft²Bigger

Bigger than 34% of homes nearby

Lot size0.54 ac
SmallerTypical 0.23 acBigger

Bigger than 74% of homes nearby

Year built1950
OlderTypical 1981Newer

Newer than 6% of homes nearby

How 1098 River Bay Rd ranks against every home in each area.
MeasureThis homeCollege ParkwayAnnapolis 21409Anne Arundel County
Estimated valuepricier than$1,138,12395% of homes86% of homes94% of homes
Price per ft²pricier than$801almost all homes98% of homesalmost all homes
Living areabigger than1,421 ft²46% of homes34% of homes39% of homes
Lot sizebigger than0.54 ac94% of homes74% of homes81% of homes
Year builtnewer than19505% of homes6% of homes11% of homes

About 1098 River Bay Rd

How much is 1098 River Bay Rd, Annapolis, MD worth?

The TopHap Estimate for 1098 River Bay Rd, Annapolis, MD is $1,138,123 as of Jul 14, 2026. The likely range is $1,062,268 to $1,213,978. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 1098 River Bay Rd, Annapolis, MD?

1098 River Bay Rd, Annapolis, MD has 2 bathrooms, 1,421 square feet of living space and a 0.54-acre lot.

When was 1098 River Bay Rd, Annapolis, MD built?

1098 River Bay Rd, Annapolis, MD was built in 1950, making it 76 years old. It is a conventional home. The building has 1 story.

What schools serve 1098 River Bay Rd, Annapolis, MD?

1098 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 1098 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 86% of them ($1,138,123 against a typical $577,415), its price per square foot is higher than 98% of them ($801 against a typical $343), it is bigger than 34% of them (1,421 ft² against a typical 1,760 ft²), its lot is bigger than 74% of them (0.54 ac against a typical 0.23 ac) and it is newer than 6% of them (1950 against a typical 1981). Measured against all of Anne Arundel County, it is worth more than 94% 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 1098 River Bay Rd, Annapolis, MD?

The 2025 property tax bill for 1098 River Bay Rd, Annapolis, MD was $6,982. The county assessed it at $1,257,933.

Closest homes

More homes in Annapolis 21409

Assigned schools

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