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Single Family ResidenceResidential
$536,061$160 / 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 93How 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 $240,000 on Jan 14, 2002

3820 CLAY ST

POINT OF ROCKS, MD 21777
1
Baths
3,350 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.
1.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1907
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$536K
$496K low$576K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$240,000 · Jan 14, 2002
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.$345,261
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$276,209
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.35%
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.$190,800
CENDANT MORTGAGE CORP · recorded May 1, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,289 (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.$284,467 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$261,933
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$307,000

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.61
97
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
34
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.153 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
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyFREDERICK
ConstructionThe main material the home's frame and walls are built from.Brick
RoofThe main material covering the roof, such as asphalt shingle or tile.Slate
HeatingThe type of heating system in the home.Radiant
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 923 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.

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

M
Brunswick Middle SchoolB-
Middle · Grades 6–8 · 4.6 mi
H
Brunswick High SchoolB
High · Grades 9–12 · 4.9 mi
E
Valley Elementary SchoolA
Elementary · Grades KG–5 · 5.9 mi

District: Frederick County Public Schools

Neighborhood · ZIP 21777These 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.187
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.1%
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.390
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.260 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$130,601
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$149,875
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.42 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

3820 Clay St 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 less per square foot than 97% of homes in Frederick County
  • Bigger than 82% of homes in Frederick County
  • Among the largest lots in Point of Rocks 21777
  • Older than 95% of homes in Point of Rocks 21777

What homes are worth in Point of Rocks 21777

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

This home
$253K$717K

This home is worth more than 64% of homes in Point of Rocks 21777.

How it measures up in Point of Rocks 21777

The dot is this home. The mark in the middle is the typical home in Point of Rocks 21777.

Estimated value$536,061
CheaperTypical $477,521Pricier

Pricier than 64% of homes nearby

Price per ft²$160
CheaperTypical $205Pricier

Pricier than 11% of homes nearby

Living area3,350 ft²
SmallerTypical 2,176 ft²Bigger

Bigger than 80% of homes nearby

Lot size1.5 ac
SmallerTypical 0.28 acBigger

Bigger than almost all homes nearby

Year built1907
OlderTypical 1998Newer

Newer than 5% of homes nearby

How 3820 Clay St ranks against every home in each area.
MeasureThis homePoint of Rocks 21777Frederick County
Estimated valuepricier than$536,06164% of homes58% of homes
Price per ft²pricier than$16011% of homes3% of homes
Living areabigger than3,350 ft²80% of homes82% of homes
Lot sizebigger than1.5 acalmost all homes85% of homes
Year builtnewer than19075% of homes9% of homes

About 3820 Clay St

How much is 3820 Clay St, Point Of Rocks, MD worth?

The TopHap Estimate for 3820 Clay St, Point Of Rocks, MD is $536,061 as of Jul 14, 2026. The likely range is $496,494 to $575,628. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3820 Clay St, Point Of Rocks, MD last sell?

3820 Clay St, Point Of Rocks, MD last sold on Jan 14, 2002 for $240,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3820 Clay St, Point Of Rocks, MD?

3820 Clay St, Point Of Rocks, MD has 1 bathrooms and 3,350 square feet of living space.

When was 3820 Clay St, Point Of Rocks, MD built?

3820 Clay St, Point Of Rocks, MD was built in 1907, making it 119 years old. It is a conventional home. The building has 2 stories.

What schools serve 3820 Clay St, Point Of Rocks, MD?

3820 Clay St, Point Of Rocks, MD is assigned to Brunswick Middle School (middle), rated B-; Brunswick High School (high), rated B; Valley Elementary School (elementary), rated A. All sit in Frederick County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3820 Clay St, Point Of Rocks, MD compare to other homes in Point of Rocks 21777?

Among the 628 homes in Point of Rocks 21777, it is worth more than 64% of them ($536,061 against a typical $477,521), its price per square foot is higher than 11% of them ($160 against a typical $205), it is bigger than 80% of them (3,350 ft² against a typical 2,176 ft²), its lot is bigger than almost all of them (1.5 ac against a typical 0.28 ac) and it is newer than 5% of them (1907 against a typical 1998). Measured against all of Frederick County, it is worth more than 58% 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 3820 Clay St, Point Of Rocks, MD?

The 2025 property tax bill for 3820 Clay St, Point Of Rocks, MD was $3,289. The county assessed it at $284,467.

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Assigned schools

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