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Single Family ResidentialResidential
$41,994
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 76How 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 $17,500 on Jun 15, 2021

3698 WHITE ROCK RD

FRIENDSVILLE, MD 21531
0
Baths
1.38 ac
Lot SizeThe size of the land the home sits on, from county records.
6
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$42K
$32K low$52K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$17,500 · Jun 15, 2021
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.$41,994
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$33,595

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$301 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$27,033 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$22,867
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$31,200

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.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
69
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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 Residential
CountyGARRETT
Lot (acres)The size of the land the home sits on, from county records.1.38
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.No

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
Friendsville Elementary SchoolC
Elementary · Grades PK–5 · 5.1 mi
M
Northern Middle SchoolA-
Middle · Grades 6–8 · 9.2 mi
H
Northern Garrett High SchoolB+
High · Grades 9–12 · 9.5 mi

District: Garrett County Public Schools

Neighborhood · ZIP 21531These 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.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.77%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.2,252
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.36 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,048
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,551
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

3698 White Rock Rd 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 least valuable homes in Friendsville 21531

What homes are worth in Friendsville 21531

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

This home
$54K$662K

This home is worth less than almost all homes in Friendsville 21531.

How it measures up in Friendsville 21531

The dot is this home. The mark in the middle is the typical home in Friendsville 21531.

Estimated value$41,994
CheaperTypical $191,747Pricier

Cheaper than almost all homes nearby

Lot size1.38 ac
SmallerTypical 2.11 acBigger

Bigger than 38% of homes nearby

How 3698 White Rock Rd ranks against every home in each area.
MeasureThis homeFriendsville 21531Garrett County
Estimated valuepricier than$41,994almost no homesalmost no homes
Lot sizebigger than1.38 ac38% of homes59% of homes

About 3698 White Rock Rd

How much is 3698 White Rock Rd, Friendsville, MD worth?

The TopHap Estimate for 3698 White Rock Rd, Friendsville, MD is $41,994 as of Jul 14, 2026. The likely range is $31,994 to $51,994. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3698 White Rock Rd, Friendsville, MD last sell?

3698 White Rock Rd, Friendsville, MD last sold on Jun 15, 2021 for $17,500, according to the county's recorded deed.

What schools serve 3698 White Rock Rd, Friendsville, MD?

3698 White Rock Rd, Friendsville, MD is assigned to Friendsville Elementary School (elementary), rated C; Northern Middle School (middle), rated A-; Northern Garrett High School (high), rated B+. All sit in Garrett County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3698 White Rock Rd, Friendsville, MD compare to other homes in Friendsville 21531?

Among the 1,210 homes in Friendsville 21531, it is worth more than almost none of them ($41,994 against a typical $191,747) and its lot is bigger than 38% of them (1.38 ac against a typical 2.11 ac). Measured against all of Garrett County, it is worth more than almost no 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 3698 White Rock Rd, Friendsville, MD?

The 2026 property tax bill for 3698 White Rock Rd, Friendsville, MD was $301. The county assessed it at $27,033.

Closest homes

More homes in Friendsville 21531

Assigned schools

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