Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$327,278$434 / 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
Last sold for $130,000 on Sep 26, 2013

35818 BAY DR

CHAPTICO, MD 20621
1
Baths
754 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1969
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$327K
$309K low$346K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$130,000 · Sep 26, 2013
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.$327,278
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$261,822

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,828 (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.$291,967 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$248,933
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$335,000

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
88
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.110 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.0.22
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.No
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.Porch · 60 ft²

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.

Foreclosure Filings(2)

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.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

35818 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 less than 78% of homes in St. Mary's County
  • Costs more per square foot than 98% of homes in St. Mary's County
  • Smaller than 98% of homes in St. Mary's County
  • Has a smaller lot than 98% of homes in Chaptico 20621
  • Older than 82% 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
$115K$1M

This home is worth more than 37% 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$327,278
CheaperTypical $394,638Pricier

Pricier than 37% of homes nearby

Price per ft²$434
CheaperTypical $245Pricier

Pricier than 96% of homes nearby

Living area754 ft²
SmallerTypical 1,584 ft²Bigger

Bigger than 6% of homes nearby

Lot size0.22 ac
SmallerTypical 1.38 acBigger

Bigger than 2% of homes nearby

Year built1969
OlderTypical 1976Newer

Newer than 38% of homes nearby

How 35818 Bay Dr ranks against every home in each area.
MeasureThis homeChaptico 20621St. Mary's County
Estimated valuepricier than$327,27837% of homes22% of homes
Price per ft²pricier than$43496% of homes98% of homes
Living areabigger than754 ft²6% of homes2% of homes
Lot sizebigger than0.22 ac2% of homes22% of homes
Year builtnewer than196938% of homes18% of homes

About 35818 Bay Dr

How much is 35818 Bay Dr, Chaptico, MD worth?

The TopHap Estimate for 35818 Bay Dr, Chaptico, MD is $327,278 as of Jul 14, 2026. The likely range is $308,554 to $346,002. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 35818 Bay Dr, Chaptico, MD last sell?

35818 Bay Dr, Chaptico, MD last sold on Sep 26, 2013 for $130,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 35818 Bay Dr, Chaptico, MD?

35818 Bay Dr, Chaptico, MD has 1 bathrooms, 754 square feet of living space and a 0.22-acre lot.

When was 35818 Bay Dr, Chaptico, MD built?

35818 Bay Dr, Chaptico, MD was built in 1969, making it 57 years old. The building has 1 story.

What schools serve 35818 Bay Dr, Chaptico, MD?

35818 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 35818 Bay Dr, Chaptico, MD compare to other homes in Chaptico 20621?

Among the 604 homes in Chaptico 20621, it is worth more than 37% of them ($327,278 against a typical $394,638), its price per square foot is higher than 96% of them ($434 against a typical $245), it is bigger than 6% of them (754 ft² against a typical 1,584 ft²), its lot is bigger than 2% of them (0.22 ac against a typical 1.38 ac) and it is newer than 38% of them (1969 against a typical 1976). Measured against all of St. Mary's County, it is worth more than 22% 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 35818 Bay Dr, Chaptico, MD?

The 2025 property tax bill for 35818 Bay Dr, Chaptico, MD was $2,828. The county assessed it at $291,967.

Closest homes

More homes in Chaptico 20621

Assigned schools

Explore the area

See this home in context

Open 35818 Bay Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map