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TownhouseResidential
$412,272$191 / 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 96How 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 $383,260 on May 19, 2022

321 TOP COTTAGE CT

BALTIMORE, MD 21221
4 / 1
Baths
2,160 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.
2,134 ft²
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$412K
$394K low$430K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$383,260 · May 19, 2022
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.95%
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.$376,317
MY MORTGAGE INC · recorded May 19, 2022
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.$39,499
PENNYMAC LOAN SERVICES LLC
3rd 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.$11,100

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,323 (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.$346,100 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$335,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$357,200

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
CountyBaltimore
Lot (acres)The size of the land the home sits on, from county records.0.05
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
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Built-in
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 · 128 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
Deep Creek Elementary SchoolC-
Elementary · Grades PK–5 · 0.9 mi
M
Deep Creek Middle SchoolC-
Middle · Grades 6–8 · 1.0 mi
H
Chesapeake High SchoolD+
High · Grades 9–12 · 1.3 mi

District: Baltimore County Public Schools

Neighborhood · ZIP 21221These 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.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

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.94%
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.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.42,396
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,898 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,330
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,410
Average tempThe average temperature here across a full year.56°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.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

321 Top Cottage Ct 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 80% of homes in Essex 21221
  • Costs less per square foot than 79% of homes in Baltimore County
  • Bigger than 88% of homes in Essex 21221
  • Has a smaller lot than 81% of homes in Essex 21221
  • Among the newest homes in Baltimore County

What homes are worth in Essex 21221

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

This home
$142K$726K

This home is worth more than 80% of homes in Essex 21221.

How it measures up in Essex 21221

The dot is this home. The mark in the middle is the typical home in Essex 21221.

Estimated value$412,272
CheaperTypical $284,028Pricier

Pricier than 80% of homes nearby

Price per ft²$191
CheaperTypical $210Pricier

Pricier than 32% of homes nearby

Living area2,160 ft²
SmallerTypical 1,240 ft²Bigger

Bigger than 88% of homes nearby

Lot size2,134 ft²
SmallerTypical 0.16 acBigger

Bigger than 19% of homes nearby

Year built2022
OlderTypical 1957Newer

Newer than 98% of homes nearby

How 321 Top Cottage Ct ranks against every home in each area.
MeasureThis homeEssex 21221Baltimore County
Estimated valuepricier than$412,27280% of homes62% of homes
Price per ft²pricier than$19132% of homes21% of homes
Living areabigger than2,160 ft²88% of homes79% of homes
Lot sizebigger than2,134 ft²19% of homes20% of homes
Year builtnewer than202298% of homesalmost all homes

About 321 Top Cottage Ct

How much is 321 Top Cottage Ct, Baltimore, MD worth?

The TopHap Estimate for 321 Top Cottage Ct, Baltimore, MD is $412,272 as of Jul 14, 2026. The likely range is $394,147 to $430,397. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 321 Top Cottage Ct, Baltimore, MD last sell?

321 Top Cottage Ct, Baltimore, MD last sold on May 19, 2022 for $383,260, according to the county's recorded deed.

How big is 321 Top Cottage Ct, Baltimore, MD?

321 Top Cottage Ct, Baltimore, MD has 4 bathrooms, 2,160 square feet of living space and a 0.05-acre lot.

When was 321 Top Cottage Ct, Baltimore, MD built?

321 Top Cottage Ct, Baltimore, MD was built in 2022, making it 4 years old. The building has 3 stories.

What schools serve 321 Top Cottage Ct, Baltimore, MD?

321 Top Cottage Ct, Baltimore, MD is assigned to Deep Creek Elementary School (elementary), rated C-; Deep Creek Middle School (middle), rated C-; Chesapeake High School (high), rated D+. All sit in Baltimore County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 321 Top Cottage Ct, Baltimore, MD compare to other homes in Essex 21221?

Among the 12,678 homes in Essex 21221, it is worth more than 80% of them ($412,272 against a typical $284,028), its price per square foot is higher than 32% of them ($191 against a typical $210), it is bigger than 88% of them (2,160 ft² against a typical 1,240 ft²), its lot is bigger than 19% of them (2,134 ft² against a typical 0.16 ac) and it is newer than 98% of them (2022 against a typical 1957). Measured against all of Baltimore County, it is worth more than 62% 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 321 Top Cottage Ct, Baltimore, MD?

The 2025 property tax bill for 321 Top Cottage Ct, Baltimore, MD was $5,323. The county assessed it at $346,100.

Closest homes

More homes in Baltimore 21221

Assigned schools

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