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Single Family ResidenceResidential
$1,522,654$495 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $450,000 on Nov 16, 2011

3643 BAY DR

MIDDLE RIVER, MD 21220
3
Baths
3,076 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.
0.7 ac
Lot SizeThe size of the land the home sits on, from county records.
2017
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.5M
$1.4M low$1.6M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$450,000 · Nov 16, 2011
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.$1,022,654
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$818,123
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.33%
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.$500,000
MADISON BANK OF MARYLAND · recorded Jan 9, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,372 (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.$1,062,000 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$963,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,160,100

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.43 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
CountyBALTIMORE
Lot (acres)The size of the land the home sits on, from county records.0.70
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
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, Detached
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.ElevatorShed · 280 ft²Porch · 1,587 ft²Boat access

Transaction History(5)

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 · 2.1 mi
M
Stemmers Run Middle SchoolD
Middle · Grades 6–8 · 4.6 mi
H
Kenwood High SchoolD-
High · Grades 9–12 · 4.9 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.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

3643 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 highest price per square foot in Baltimore County
  • Bigger than 95% of homes in Middle River 21220
  • Has a bigger lot than 94% of homes in Middle River 21220
  • Newer than 97% 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
$162K$866K

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$1,522,654
CheaperTypical $341,800Pricier

Pricier than almost all homes nearby

Price per ft²$495
CheaperTypical $222Pricier

Pricier than almost all homes nearby

Living area3,076 ft²
SmallerTypical 1,414 ft²Bigger

Bigger than 95% of homes nearby

Lot size0.7 ac
SmallerTypical 0.13 acBigger

Bigger than 94% of homes nearby

Year built2017
OlderTypical 1980Newer

Newer than 90% of homes nearby

How 3643 Bay Dr ranks against every home in each area.
MeasureThis homeMiddle River 21220Baltimore County
Estimated valuepricier than$1,522,654almost all homesalmost all homes
Price per ft²pricier than$495almost all homesalmost all homes
Living areabigger than3,076 ft²95% of homes92% of homes
Lot sizebigger than0.7 ac94% of homes85% of homes
Year builtnewer than201790% of homes97% of homes

About 3643 Bay Dr

How much is 3643 Bay Dr, Middle River, MD worth?

The TopHap Estimate for 3643 Bay Dr, Middle River, MD is $1,522,654 as of Jun 23, 2026. The likely range is $1,400,841 to $1,644,466. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3643 Bay Dr, Middle River, MD last sell?

3643 Bay Dr, Middle River, MD last sold on Nov 16, 2011 for $450,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3643 Bay Dr, Middle River, MD?

3643 Bay Dr, Middle River, MD has 3 bathrooms, 3,076 square feet of living space and a 0.70-acre lot.

When was 3643 Bay Dr, Middle River, MD built?

3643 Bay Dr, Middle River, MD was built in 2017, making it 9 years old. The building has 2 stories.

What schools serve 3643 Bay Dr, Middle River, MD?

3643 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 3643 Bay Dr, Middle River, MD compare to other homes in Middle River 21220?

Among the 13,082 homes in Middle River 21220, it is worth more than almost all of them ($1,522,654 against a typical $341,800), its price per square foot is higher than almost all of them ($495 against a typical $222), it is bigger than 95% of them (3,076 ft² against a typical 1,414 ft²), its lot is bigger than 94% of them (0.7 ac against a typical 0.13 ac) and it is newer than 90% of them (2017 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 3643 Bay Dr, Middle River, MD?

The 2024 property tax bill for 3643 Bay Dr, Middle River, MD was $12,372. The county assessed it at $1,062,000.

Closest homes

More homes in Middle River 21220

Assigned schools

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