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Single Family ResidenceResidential
$762,961$269 / 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 Jul 14, 2026
Last sold for $272,000 on Oct 5, 1998

2120 FLAT ROCK DR

FINKSBURG, MD 21048
3.5
Baths
2,840 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.
1.56 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
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

$763K
$719K low$807K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$272,000 · Oct 5, 1998
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.$462,961
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$370,369
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.40%
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.$250,000
BRANCH BANKING & TRUST CO · recorded Mar 22, 2012
2nd 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.$50,000
BRANCH BANKING & TRUST CO

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,178 (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.$627,767 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$616,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$650,500

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.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
77
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
43
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyCARROLL
Lot (acres)The size of the land the home sits on, from county records.1.56
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, Attached
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 · 616 ft²Porch · 252 ft²

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
Mechanicsville Elementary SchoolB
Elementary · Grades PK–5 · 1.5 mi
H
Westminster High SchoolA-
High · Grades 9–12 · 5.7 mi
M
Westminster West Middle SchoolB+
Middle · Grades 6–8 · 8.0 mi

District: Carroll County Public Schools

Neighborhood · ZIP 21048These 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.60
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.42

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.97%
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.3.8%
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.11,488
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.410 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$124,320
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$138,947
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.44 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

2120 Flat Rock 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 more than 89% of homes in Carroll County
  • Bigger than 86% of homes in Carroll County
  • Has a bigger lot than 74% of homes in Carroll County
  • Newer than 72% of homes in Finksburg 21048

What homes are worth in Finksburg 21048

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

This home
$276K$1.2M

This home is worth more than 78% of homes in Finksburg 21048.

How it measures up in Finksburg 21048

The dot is this home. The mark in the middle is the typical home in Finksburg 21048.

Estimated value$762,961
CheaperTypical $526,188Pricier

Pricier than 78% of homes nearby

Price per ft²$269
CheaperTypical $275Pricier

Pricier than 45% of homes nearby

Living area2,840 ft²
SmallerTypical 1,960 ft²Bigger

Bigger than 76% of homes nearby

Lot size1.56 ac
SmallerTypical 1.18 acBigger

Bigger than 60% of homes nearby

Year built1994
OlderTypical 1983Newer

Newer than 72% of homes nearby

How 2120 Flat Rock Dr ranks against every home in each area.
MeasureThis homeFinksburg 21048Carroll County
Estimated valuepricier than$762,96178% of homes89% of homes
Price per ft²pricier than$26945% of homes49% of homes
Living areabigger than2,840 ft²76% of homes86% of homes
Lot sizebigger than1.56 ac60% of homes74% of homes
Year builtnewer than199472% of homes69% of homes

About 2120 Flat Rock Dr

How much is 2120 Flat Rock Dr, Finksburg, MD worth?

The TopHap Estimate for 2120 Flat Rock Dr, Finksburg, MD is $762,961 as of Jul 14, 2026. The likely range is $718,685 to $807,237. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2120 Flat Rock Dr, Finksburg, MD last sell?

2120 Flat Rock Dr, Finksburg, MD last sold on Oct 5, 1998 for $272,000, according to the county's recorded deed.

How big is 2120 Flat Rock Dr, Finksburg, MD?

2120 Flat Rock Dr, Finksburg, MD has 3.5 bathrooms, 2,840 square feet of living space and a 1.56-acre lot.

When was 2120 Flat Rock Dr, Finksburg, MD built?

2120 Flat Rock Dr, Finksburg, MD was built in 1994, making it 32 years old. The building has 2 stories.

What schools serve 2120 Flat Rock Dr, Finksburg, MD?

2120 Flat Rock Dr, Finksburg, MD is assigned to Mechanicsville Elementary School (elementary), rated B; Westminster High School (high), rated A-; Westminster West Middle School (middle), rated B+. All sit in Carroll County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2120 Flat Rock Dr, Finksburg, MD compare to other homes in Finksburg 21048?

Among the 3,699 homes in Finksburg 21048, it is worth more than 78% of them ($762,961 against a typical $526,188), its price per square foot is higher than 45% of them ($269 against a typical $275), it is bigger than 76% of them (2,840 ft² against a typical 1,960 ft²), its lot is bigger than 60% of them (1.56 ac against a typical 1.18 ac) and it is newer than 72% of them (1994 against a typical 1983). Measured against all of Carroll County, it is worth more than 89% 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 2120 Flat Rock Dr, Finksburg, MD?

The 2025 property tax bill for 2120 Flat Rock Dr, Finksburg, MD was $6,178. The county assessed it at $627,767.

Closest homes

More homes in Finksburg 21048

Assigned schools

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