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Residential (General/Single)Residential
$448,960
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 89How 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

1223 RIVER BAY RD

ANNAPOLIS, MD 21409
0
Baths
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$449K
$398K low$500K 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.$448,960
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$359,168

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$112 (2025)

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.24
94
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
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.80 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.Residential (General/Single)
CountyAnne Arundel
Lot (acres)The size of the land the home sits on, from county records.0.21
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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 · 1.2 mi
M
Magothy River Middle SchoolA
Middle · Grades 6–8 · 4.4 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.Yes

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

1223 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 less than 77% of homes in Annapolis 21409
  • Has a smaller lot than 83% 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
$323K$2.3M

This home is worth more than 23% 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$448,960
CheaperTypical $577,557Pricier

Pricier than 23% of homes nearby

Lot size0.21 ac
SmallerTypical 0.23 acBigger

Bigger than 33% of homes nearby

How 1223 River Bay Rd ranks against every home in each area.
MeasureThis homeCollege ParkwayAnnapolis 21409Anne Arundel County
Estimated valuepricier than$448,96024% of homes23% of homes39% of homes
Lot sizebigger than0.21 ac17% of homes33% of homes52% of homes

About 1223 River Bay Rd

How much is 1223 River Bay Rd, Annapolis, MD worth?

The TopHap Estimate for 1223 River Bay Rd, Annapolis, MD is $448,960 as of Jul 14, 2026. The likely range is $397,504 to $500,416. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

What schools serve 1223 River Bay Rd, Annapolis, MD?

1223 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 1223 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 23% of them ($448,960 against a typical $577,557) and its lot is bigger than 33% of them (0.21 ac against a typical 0.23 ac). Measured against all of Anne Arundel County, it is worth more than 39% 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 1223 River Bay Rd, Annapolis, MD?

The 2025 property tax bill for 1223 River Bay Rd, Annapolis, MD was $112.

Closest homes

More homes in Annapolis 21409

Assigned schools

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