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Single Family ResidenceResidential
$163,944$163 / 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

3081 WHITE ROCK RD

FRIENDSVILLE, MD 21531
1
Baths
1,008 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.
15.54 ac
Lot SizeThe size of the land the home sits on, from county records.
1912
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$164K
$153K low$175K 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.$163,944
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$131,155

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,153 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$98,333 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$95,367
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$101,300

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.59
96
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
69
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
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.110 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
CountyGARRETT
Lot (acres)The size of the land the home sits on, from county records.15.54
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.Forced Air With Air Conditioning
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 · 48 ft²Shed · 480 ft²Porch · 224 ft²

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

E
Friendsville Elementary SchoolC
Elementary · Grades PK–5 · 5.2 mi
M
Northern Middle SchoolA-
Middle · Grades 6–8 · 9.1 mi
H
Northern Garrett High SchoolB+
High · Grades 9–12 · 9.4 mi

District: Garrett County Public Schools

Neighborhood · ZIP 21531These 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.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.77%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.2,252
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.36 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,048
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,551
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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.Absentee owner
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

3081 White Rock 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 81% of homes in Garrett County
  • Costs less per square foot than 66% of homes in Garrett County
  • Smaller than 84% of homes in Garrett County
  • Has a bigger lot than 92% of homes in Garrett County
  • Older than 94% of homes in Garrett County

What homes are worth in Friendsville 21531

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

This home
$54K$662K

This home is worth more than 41% of homes in Friendsville 21531.

How it measures up in Friendsville 21531

The dot is this home. The mark in the middle is the typical home in Friendsville 21531.

Estimated value$163,944
CheaperTypical $191,747Pricier

Pricier than 41% of homes nearby

Price per ft²$163
CheaperTypical $146Pricier

Pricier than 59% of homes nearby

Living area1,008 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 25% of homes nearby

Lot size15.54 ac
SmallerTypical 2.11 acBigger

Bigger than 85% of homes nearby

Year built1912
OlderTypical 1975Newer

Newer than 13% of homes nearby

How 3081 White Rock Rd ranks against every home in each area.
MeasureThis homeFriendsville 21531Garrett County
Estimated valuepricier than$163,94441% of homes19% of homes
Price per ft²pricier than$16359% of homes34% of homes
Living areabigger than1,008 ft²25% of homes16% of homes
Lot sizebigger than15.54 ac85% of homes92% of homes
Year builtnewer than191213% of homes6% of homes

About 3081 White Rock Rd

How much is 3081 White Rock Rd, Friendsville, MD worth?

The TopHap Estimate for 3081 White Rock Rd, Friendsville, MD is $163,944 as of Jul 14, 2026. The likely range is $152,646 to $175,242. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3081 White Rock Rd, Friendsville, MD last sell?

3081 White Rock Rd, Friendsville, MD last sold on Jan 13, 2003, according to the county's recorded deed.

How big is 3081 White Rock Rd, Friendsville, MD?

3081 White Rock Rd, Friendsville, MD has 1 bathrooms, 1,008 square feet of living space and a 15.54-acre lot.

When was 3081 White Rock Rd, Friendsville, MD built?

3081 White Rock Rd, Friendsville, MD was built in 1912, making it 114 years old. It is a conventional home. The building has 2 stories.

What schools serve 3081 White Rock Rd, Friendsville, MD?

3081 White Rock Rd, Friendsville, MD is assigned to Friendsville Elementary School (elementary), rated C; Northern Middle School (middle), rated A-; Northern Garrett High School (high), rated B+. All sit in Garrett County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3081 White Rock Rd, Friendsville, MD compare to other homes in Friendsville 21531?

Among the 1,210 homes in Friendsville 21531, it is worth more than 41% of them ($163,944 against a typical $191,747), its price per square foot is higher than 59% of them ($163 against a typical $146), it is bigger than 25% of them (1,008 ft² against a typical 1,344 ft²), its lot is bigger than 85% of them (15.54 ac against a typical 2.11 ac) and it is newer than 13% of them (1912 against a typical 1975). Measured against all of Garrett County, it is worth more than 19% 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 3081 White Rock Rd, Friendsville, MD?

The 2026 property tax bill for 3081 White Rock Rd, Friendsville, MD was $1,153. The county assessed it at $98,333.

Closest homes

More homes in Friendsville 21531

Assigned schools

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