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Single Family ResidenceResidential
$519,705$417 / 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 86How 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

23854 OLD CHAPTICO WHARF LN

CHAPTICO, MD 20621
1.5
Baths
1,246 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.
0.65 ac
Lot SizeThe size of the land the home sits on, from county records.
2018
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$520K
$446K low$593K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,156 (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.$495,467 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$473,833
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$517,100

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.61
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
81
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
85
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
23
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.101 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
CountyST. MARY'S
Lot (acres)The size of the land the home sits on, from county records.0.65
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
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.Boat access

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

E
Dynard Elementary SchoolA
Elementary · Grades PK–5 · 4.0 mi
H
Chopticon High SchoolB
High · Grades 9–12 · 7.2 mi
M
Margaret Brent Middle SchoolB-
Middle · Grades 6–8 · 7.4 mi

District: St. Marys County Public Schools

Neighborhood · ZIP 20621These 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.150
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 100.31

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.1,672
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.99 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,003
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,865
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

23854 Old Chaptico Wharf Ln 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 75% of homes in Chaptico 20621
  • Costs more per square foot than 97% of homes in St. Mary's County
  • Smaller than 77% of homes in St. Mary's County
  • Has a smaller lot than 65% of homes in Chaptico 20621
  • Newer than 95% of homes in St. Mary's County

What homes are worth in Chaptico 20621

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

This home
$118K$991K

This home is worth more than 75% of homes in Chaptico 20621.

How it measures up in Chaptico 20621

The dot is this home. The mark in the middle is the typical home in Chaptico 20621.

Estimated value$519,705
CheaperTypical $412,797Pricier

Pricier than 75% of homes nearby

Price per ft²$417
CheaperTypical $252Pricier

Pricier than 94% of homes nearby

Living area1,246 ft²
SmallerTypical 1,578 ft²Bigger

Bigger than 30% of homes nearby

Lot size0.65 ac
SmallerTypical 1.4 acBigger

Bigger than 35% of homes nearby

Year built2018
OlderTypical 1976Newer

Newer than 94% of homes nearby

How 23854 Old Chaptico Wharf Ln ranks against every home in each area.
MeasureThis homeChaptico 20621St. Mary's County
Estimated valuepricier than$519,70575% of homes71% of homes
Price per ft²pricier than$41794% of homes97% of homes
Living areabigger than1,246 ft²30% of homes23% of homes
Lot sizebigger than0.65 ac35% of homes47% of homes
Year builtnewer than201894% of homes95% of homes

About 23854 Old Chaptico Wharf Ln

How much is 23854 Old Chaptico Wharf Ln, Chaptico, MD worth?

The TopHap Estimate for 23854 Old Chaptico Wharf Ln, Chaptico, MD is $519,705 as of Aug 30, 2026. The likely range is $446,442 to $592,968. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 23854 Old Chaptico Wharf Ln, Chaptico, MD last sell?

23854 Old Chaptico Wharf Ln, Chaptico, MD last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 23854 Old Chaptico Wharf Ln, Chaptico, MD?

23854 Old Chaptico Wharf Ln, Chaptico, MD has 1.5 bathrooms, 1,246 square feet of living space and a 0.65-acre lot.

When was 23854 Old Chaptico Wharf Ln, Chaptico, MD built?

23854 Old Chaptico Wharf Ln, Chaptico, MD was built in 2018, making it 8 years old. The building has 1 story.

What schools serve 23854 Old Chaptico Wharf Ln, Chaptico, MD?

23854 Old Chaptico Wharf Ln, Chaptico, MD is assigned to Dynard Elementary School (elementary), rated A; Chopticon High School (high), rated B; Margaret Brent Middle School (middle), rated B-. All sit in St. Marys County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 23854 Old Chaptico Wharf Ln, Chaptico, MD compare to other homes in Chaptico 20621?

Among the 604 homes in Chaptico 20621, it is worth more than 75% of them ($519,705 against a typical $412,797), its price per square foot is higher than 94% of them ($417 against a typical $252), it is bigger than 30% of them (1,246 ft² against a typical 1,578 ft²), its lot is bigger than 35% of them (0.65 ac against a typical 1.4 ac) and it is newer than 94% of them (2018 against a typical 1976). Measured against all of St. Mary's 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 23854 Old Chaptico Wharf Ln, Chaptico, MD?

The 2025 property tax bill for 23854 Old Chaptico Wharf Ln, Chaptico, MD was $5,156. The county assessed it at $495,467.

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