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Single Family ResidenceResidential
$460,194$250 / 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

35792 BAY DR

CHAPTICO, MD 20621
1
Baths
1,840 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1958
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$460K
$443K low$477K 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.$95,194
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$76,155
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.$315,000
ROCKET MORTGAGE LLC · recorded Apr 20, 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.$50,000
SUNTRUST BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,313 (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.$363,033 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$323,367
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$402,700

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.58
85
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
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.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.62%
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.0.34
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
CoolingThe type of cooling or air conditioning in the home.Yes
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-Not Specified
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 96 ft²Porch · 171 ft²Boat access

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
Dynard Elementary SchoolA
Elementary · Grades PK–5 · 4.7 mi
M
Margaret Brent Middle SchoolB-
Middle · Grades 6–8 · 7.3 mi
H
Chopticon High SchoolB
High · Grades 9–12 · 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%

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

35792 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.

  • Worth more than 66% of homes in Chaptico 20621
  • Bigger than 65% of homes in Chaptico 20621
  • Has a smaller lot than 76% of homes in Chaptico 20621
  • Older than 90% 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
$111K$1M

This home is worth more than 66% 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$460,194
CheaperTypical $392,185Pricier

Pricier than 66% of homes nearby

Price per ft²$250
CheaperTypical $245Pricier

Pricier than 54% of homes nearby

Living area1,840 ft²
SmallerTypical 1,568 ft²Bigger

Bigger than 65% of homes nearby

Lot size0.34 ac
SmallerTypical 1.4 acBigger

Bigger than 24% of homes nearby

Year built1958
OlderTypical 1976Newer

Newer than 19% of homes nearby

How 35792 Bay Dr ranks against every home in each area.
MeasureThis homeChaptico 20621St. Mary's County
Estimated valuepricier than$460,19466% of homes59% of homes
Price per ft²pricier than$25054% of homes61% of homes
Living areabigger than1,840 ft²65% of homes52% of homes
Lot sizebigger than0.34 ac24% of homes32% of homes
Year builtnewer than195819% of homes10% of homes

About 35792 Bay Dr

How much is 35792 Bay Dr, Chaptico, MD worth?

The TopHap Estimate for 35792 Bay Dr, Chaptico, MD is $460,194 as of Jul 14, 2026. The likely range is $443,357 to $477,031. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 35792 Bay Dr, Chaptico, MD last sell?

35792 Bay Dr, Chaptico, MD last sold on Dec 5, 2005, according to the county's recorded deed.

How big is 35792 Bay Dr, Chaptico, MD?

35792 Bay Dr, Chaptico, MD has 1 bathrooms, 1,840 square feet of living space and a 0.34-acre lot.

When was 35792 Bay Dr, Chaptico, MD built?

35792 Bay Dr, Chaptico, MD was built in 1958, making it 68 years old. The building has 1 story.

What schools serve 35792 Bay Dr, Chaptico, MD?

35792 Bay Dr, Chaptico, MD is assigned to Dynard Elementary School (elementary), rated A; Margaret Brent Middle School (middle), rated B-; Chopticon High School (high), rated B. All sit in St. Marys County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 35792 Bay Dr, Chaptico, MD compare to other homes in Chaptico 20621?

Among the 604 homes in Chaptico 20621, it is worth more than 66% of them ($460,194 against a typical $392,185), its price per square foot is higher than 54% of them ($250 against a typical $245), it is bigger than 65% of them (1,840 ft² against a typical 1,568 ft²), its lot is bigger than 24% of them (0.34 ac against a typical 1.4 ac) and it is newer than 19% of them (1958 against a typical 1976). Measured against all of St. Mary's County, it is worth more than 59% 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 35792 Bay Dr, Chaptico, MD?

The 2025 property tax bill for 35792 Bay Dr, Chaptico, MD was $3,313. The county assessed it at $363,033.

Closest homes

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Assigned schools

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