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Single Family ResidenceResidential
$731,390$406 / 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

309 THREE RIVERS RD

HARWOOD, MD 20776
2.5
Baths
1,800 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.
1.5 ac
Lot SizeThe size of the land the home sits on, from county records.
2024
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$731K
$687K low$776K 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.$164,390
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$131,512
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.81%
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.$497,000
PRESIDENTIAL BANK FSB · recorded Apr 2, 2024
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.$70,000
PRESIDENTIAL BANK FSB

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,710 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$594,167 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$557,933
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$630,400

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.7
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
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.
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
CountyANNE ARUNDEL
Lot (acres)The size of the land the home sits on, from county records.1.50
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.Central
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.Porch · 239 ft²

Transaction History(2)

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.

H
Southern High SchoolB-
High · Grades 9–12 · 1.3 mi
E
Lothian Elementary SchoolA-
Elementary · Grades PK–5 · 2.9 mi
M
Southern Middle SchoolA-
Middle · Grades 6–8 · 3.1 mi

District: Anne Arundel County Public Schools

Neighborhood · ZIP 20776These 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.66
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.5%
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.3,987
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.157 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$146,603
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$197,760
Average tempThe average temperature here across a full year.56°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

309 Three Rivers 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 77% of homes in Anne Arundel County
  • Costs more per square foot than 83% of homes in Anne Arundel County
  • Smaller than 70% of homes in Harwood 20776
  • Has a bigger lot than 93% of homes in Anne Arundel County
  • Among the newest homes in Harwood 20776

What homes are worth in Harwood 20776

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

This home
$369K$2.2M

This home is worth more than 48% of homes in Harwood 20776.

How it measures up in Harwood 20776

The dot is this home. The mark in the middle is the typical home in Harwood 20776.

Estimated value$731,390
CheaperTypical $749,769Pricier

Pricier than 48% of homes nearby

Price per ft²$406
CheaperTypical $337Pricier

Pricier than 73% of homes nearby

Living area1,800 ft²
SmallerTypical 2,296 ft²Bigger

Bigger than 30% of homes nearby

Lot size1.5 ac
SmallerTypical 2.4 acBigger

Bigger than 21% of homes nearby

Year built2024
OlderTypical 1985Newer

Newer than almost all homes nearby

How 309 Three Rivers Rd ranks against every home in each area.
MeasureThis homeHarwood 20776Anne Arundel County
Estimated valuepricier than$731,39048% of homes77% of homes
Price per ft²pricier than$40673% of homes83% of homes
Living areabigger than1,800 ft²30% of homes56% of homes
Lot sizebigger than1.5 ac21% of homes93% of homes
Year builtnewer than2024almost all homesalmost all homes

About 309 Three Rivers Rd

How much is 309 Three Rivers Rd, Harwood, MD worth?

The TopHap Estimate for 309 Three Rivers Rd, Harwood, MD is $731,390 as of Jul 14, 2026. The likely range is $686,863 to $775,917. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 309 Three Rivers Rd, Harwood, MD last sell?

309 Three Rivers Rd, Harwood, MD last sold on Sep 26, 2023, according to the county's recorded deed.

How big is 309 Three Rivers Rd, Harwood, MD?

309 Three Rivers Rd, Harwood, MD has 2.5 bathrooms, 1,800 square feet of living space and a 1.50-acre lot.

When was 309 Three Rivers Rd, Harwood, MD built?

309 Three Rivers Rd, Harwood, MD was built in 2024, making it 2 years old.

What schools serve 309 Three Rivers Rd, Harwood, MD?

309 Three Rivers Rd, Harwood, MD is assigned to Southern High School (high), rated B-; Lothian Elementary School (elementary), rated A-; Southern 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 309 Three Rivers Rd, Harwood, MD compare to other homes in Harwood 20776?

Among the 1,036 homes in Harwood 20776, it is worth more than 48% of them ($731,390 against a typical $749,769), its price per square foot is higher than 73% of them ($406 against a typical $337), it is bigger than 30% of them (1,800 ft² against a typical 2,296 ft²), its lot is bigger than 21% of them (1.5 ac against a typical 2.4 ac) and it is newer than almost all of them (2024 against a typical 1985). Measured against all of Anne Arundel County, it is worth more than 77% 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 309 Three Rivers Rd, Harwood, MD?

The 2024 property tax bill for 309 Three Rivers Rd, Harwood, MD was $6,710. The county assessed it at $594,167.

Closest homes

More homes in Harwood 20776

Assigned schools

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