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Single Family ResidenceResidential
$415,312$376 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

35986 BAY DR

CHAPTICO, MD 20621
2
Baths
1,104 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.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
1975
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$415K
$380K low$451K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,400 (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.$341,333 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$302,467
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$380,200

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
92
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
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.8 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.0.24
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Electric
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.Deck · 35 ft²Porch · 434 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Dynard Elementary SchoolB+
Elementary · Grades PK–5 · 4.5 mi
M
Margaret Brent Middle SchoolB
Middle · Grades 6–8 · 6.9 mi
H
Chopticon High SchoolB-
High · Grades 9–12 · 7.0 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%

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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

35986 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.

  • Costs more per square foot than 94% of homes in St. Mary's County
  • Smaller than 86% of homes in St. Mary's County
  • Has a smaller lot than 94% of homes in Chaptico 20621
  • Older than 74% 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
$80K$873K

This home is worth more than 52% 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$415,312
CheaperTypical $405,853Pricier

Pricier than 52% of homes nearby

Price per ft²$376
CheaperTypical $258Pricier

Pricier than 89% of homes nearby

Living area1,104 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.24 ac
SmallerTypical 1.37 acBigger

Bigger than 6% of homes nearby

Year built1975
OlderTypical 1976Newer

Newer than 49% of homes nearby

How 35986 Bay Dr ranks against every home in each area.
MeasureThis homeChaptico 20621St. Mary's County
Estimated valuepricier than$415,31252% of homes47% of homes
Price per ft²pricier than$37689% of homes94% of homes
Living areabigger than1,104 ft²23% of homes14% of homes
Lot sizebigger than0.24 ac6% of homes25% of homes
Year builtnewer than197549% of homes26% of homes

About 35986 Bay Dr

How much is 35986 Bay Dr, Chaptico, MD worth?

The TopHap Estimate for 35986 Bay Dr, Chaptico, MD is $415,312 as of Sep 24, 2026. The likely range is $379,991 to $450,633. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 35986 Bay Dr, Chaptico, MD last sell?

35986 Bay Dr, Chaptico, MD last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 35986 Bay Dr, Chaptico, MD?

35986 Bay Dr, Chaptico, MD has 2 bathrooms, 1,104 square feet of living space and a 0.24-acre lot.

When was 35986 Bay Dr, Chaptico, MD built?

35986 Bay Dr, Chaptico, MD was built in 1975, making it 51 years old. The building has 1 story.

What schools serve 35986 Bay Dr, Chaptico, MD?

35986 Bay Dr, Chaptico, MD is assigned to Dynard Elementary School (elementary), rated B+; 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 35986 Bay Dr, Chaptico, MD compare to other homes in Chaptico 20621?

Among the 615 homes in Chaptico 20621, it is worth more than 52% of them ($415,312 against a typical $405,853), its price per square foot is higher than 89% of them ($376 against a typical $258), it is bigger than 23% of them (1,104 ft² against a typical 1,560 ft²), its lot is bigger than 6% of them (0.24 ac against a typical 1.37 ac) and it is newer than 49% of them (1975 against a typical 1976). Measured against all of St. Mary's County, it is worth more than 47% 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 35986 Bay Dr, Chaptico, MD?

The 2025 property tax bill for 35986 Bay Dr, Chaptico, MD was $3,400. The county assessed it at $341,333.

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