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Single Family ResidenceResidential
$1,269,613$241 / 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 88How 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 $1,585,000 on May 5, 2026

3539 BAY DR

MIDDLE RIVER, MD 21220
5 / 2
Baths
5,273 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.
0.61 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.3M
$1.1M low$1.4M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,585,000 · May 5, 2026
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.$1,269,613
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,015,690

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$15,786 (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.$1,183,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$409,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$773,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,183,500

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.36 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
CountyBALTIMORE
Lot (acres)The size of the land the home sits on, from county records.0.61
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
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.Spa/Hot Tub (Only)
ViewThe type of view from the property, or another feature of the site that affects value.Waterfront
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 672 ft²Patio · 392 ft²Porch · 392 ft²Boat access

Transaction History(3)

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
Seneca Elementary SchoolC-
Elementary · Grades PK–5 · 2.2 mi
M
Stemmers Run Middle SchoolD
Middle · Grades 6–8 · 4.4 mi
H
Kenwood High SchoolD-
High · Grades 9–12 · 4.7 mi

District: Baltimore County Public Schools

Neighborhood · ZIP 21220These 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.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

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.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
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.43,388
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,388 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$88,236
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,046
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.46 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.Yes

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

3539 Bay 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.

  • Among the most valuable homes in Middle River 21220
  • Among the largest homes in Middle River 21220
  • Has a bigger lot than 92% of homes in Middle River 21220
  • Newer than 93% of homes in Baltimore County

What homes are worth in Middle River 21220

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

This home
$161K$857K

This home is worth more than almost all homes in Middle River 21220.

How it measures up in Middle River 21220

The dot is this home. The mark in the middle is the typical home in Middle River 21220.

Estimated value$1,269,613
CheaperTypical $341,732Pricier

Pricier than almost all homes nearby

Price per ft²$241
CheaperTypical $222Pricier

Pricier than 62% of homes nearby

Living area5,273 ft²
SmallerTypical 1,404 ft²Bigger

Bigger than almost all homes nearby

Lot size0.61 ac
SmallerTypical 0.13 acBigger

Bigger than 92% of homes nearby

Year built2005
OlderTypical 1980Newer

Newer than 77% of homes nearby

How 3539 Bay Dr ranks against every home in each area.
MeasureThis homeMiddle River 21220Baltimore County
Estimated valuepricier than$1,269,613almost all homesalmost all homes
Price per ft²pricier than$24162% of homes54% of homes
Living areabigger than5,273 ft²almost all homesalmost all homes
Lot sizebigger than0.61 ac92% of homes84% of homes
Year builtnewer than200577% of homes93% of homes

About 3539 Bay Dr

How much is 3539 Bay Dr, Middle River, MD worth?

The TopHap Estimate for 3539 Bay Dr, Middle River, MD is $1,269,613 as of Jul 14, 2026. The likely range is $1,115,961 to $1,423,265. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3539 Bay Dr, Middle River, MD last sell?

3539 Bay Dr, Middle River, MD last sold on May 5, 2026 for $1,585,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3539 Bay Dr, Middle River, MD?

3539 Bay Dr, Middle River, MD has 5 bathrooms, 5,273 square feet of living space and a 0.61-acre lot.

When was 3539 Bay Dr, Middle River, MD built?

3539 Bay Dr, Middle River, MD was built in 2005, making it 21 years old. It is a conventional home. The building has 1 story.

What schools serve 3539 Bay Dr, Middle River, MD?

3539 Bay Dr, Middle River, MD is assigned to Seneca Elementary School (elementary), rated C-; Stemmers Run Middle School (middle), rated D; Kenwood 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 3539 Bay Dr, Middle River, MD compare to other homes in Middle River 21220?

Among the 13,081 homes in Middle River 21220, it is worth more than almost all of them ($1,269,613 against a typical $341,732), its price per square foot is higher than 62% of them ($241 against a typical $222), it is bigger than almost all of them (5,273 ft² against a typical 1,404 ft²), its lot is bigger than 92% of them (0.61 ac against a typical 0.13 ac) and it is newer than 77% of them (2005 against a typical 1980). Measured against all of Baltimore County, it is worth more than almost all 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 3539 Bay Dr, Middle River, MD?

The 2024 property tax bill for 3539 Bay Dr, Middle River, MD was $15,786. The county assessed it at $1,183,500.

Closest homes

More homes in Middle River 21220

Assigned schools

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