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Single Family ResidenceResidential
$957,684$136 / 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 $815,000 on Feb 4, 2022

3814 WHITE ROCK RD

FRIENDSVILLE, MD 21531
6.5
Baths
7,061 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.
4.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$958K
$900K low$1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$815,000 · Feb 4, 2022
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.$346,434
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$277,147
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.66%
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.$611,250
PRIMELENDING · recorded Feb 4, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,633 (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.$773,633 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$729,067
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$818,200

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 Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyGARRETT
Lot (acres)The size of the land the home sits on, from county records.4.11
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Vinyl Pool
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 72 ft²Shed · 864 ft²Porch · 240 ft²

Transaction History(2)

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 · 9.3 mi
H
Northern Garrett High SchoolB+
High · Grades 9–12 · 9.6 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.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

3814 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 most valuable homes in Friendsville 21531
  • Costs less per square foot than 78% of homes in Garrett County
  • Among the largest homes in Friendsville 21531
  • Has a bigger lot than 80% of homes in Garrett County
  • Newer than 68% of 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 more 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$957,684
CheaperTypical $191,747Pricier

Pricier than almost all homes nearby

Price per ft²$136
CheaperTypical $146Pricier

Pricier than 44% of homes nearby

Living area7,061 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than almost all homes nearby

Lot size4.11 ac
SmallerTypical 2.11 acBigger

Bigger than 66% of homes nearby

Year built1988
OlderTypical 1975Newer

Newer than 68% of homes nearby

How 3814 White Rock Rd ranks against every home in each area.
MeasureThis homeFriendsville 21531Garrett County
Estimated valuepricier than$957,684almost all homes88% of homes
Price per ft²pricier than$13644% of homes22% of homes
Living areabigger than7,061 ft²almost all homesalmost all homes
Lot sizebigger than4.11 ac66% of homes80% of homes
Year builtnewer than198868% of homes55% of homes

About 3814 White Rock Rd

How much is 3814 White Rock Rd, Friendsville, MD worth?

The TopHap Estimate for 3814 White Rock Rd, Friendsville, MD is $957,684 as of Jul 14, 2026. The likely range is $899,628 to $1,015,740. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3814 White Rock Rd, Friendsville, MD last sell?

3814 White Rock Rd, Friendsville, MD last sold on Feb 4, 2022 for $815,000, according to the county's recorded deed.

How big is 3814 White Rock Rd, Friendsville, MD?

3814 White Rock Rd, Friendsville, MD has 6.5 bathrooms, 7,061 square feet of living space and a 4.11-acre lot.

When was 3814 White Rock Rd, Friendsville, MD built?

3814 White Rock Rd, Friendsville, MD was built in 1988, making it 38 years old. It is a conventional home. The building has 1 story.

What schools serve 3814 White Rock Rd, Friendsville, MD?

3814 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 3814 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 all of them ($957,684 against a typical $191,747), its price per square foot is higher than 44% of them ($136 against a typical $146), it is bigger than almost all of them (7,061 ft² against a typical 1,344 ft²), its lot is bigger than 66% of them (4.11 ac against a typical 2.11 ac) and it is newer than 68% of them (1988 against a typical 1975). Measured against all of Garrett County, it is worth more than 88% 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 3814 White Rock Rd, Friendsville, MD?

The 2026 property tax bill for 3814 White Rock Rd, Friendsville, MD was $8,633. The county assessed it at $773,633.

Closest homes

More homes in Friendsville 21531

Assigned schools

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