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Single Family ResidenceResidential
$450,000$260 / 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 Oct 21, 2026
Last sold for $218,000 on Apr 27, 2026

38860 CHAPTICO RD

MECHANICSVILLE, MD 20659
1
Baths
1,728 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.
0.84 ac
Lot SizeThe size of the land the home sits on, from county records.
1969
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$450K
$424K low$476K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$218,000 · Apr 27, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$165 (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.$292,900 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$281,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$304,200

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.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
23
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
82
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.
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.minimal

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.0.84
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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.

M
Margaret Brent Middle SchoolB
Middle · Grades 6–8 · 0.9 mi
H
Chopticon High SchoolB-
High · Grades 9–12 · 1.9 mi
E
Benjamin Banneker Elementary SchoolB
Elementary · Grades PK–5 · 4.6 mi

District: St. Marys County Public Schools

Neighborhood · ZIP 20659These 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.67
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.0%
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.25,864
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.244 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$118,199
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$134,792
Average tempThe average temperature here across a full year.57°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%

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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

38860 Chaptico 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.

  • Costs more per square foot than 66% of homes in St. Mary's County
  • Has a smaller lot than 73% of homes in Mechanicsville 20659
  • Older than 88% of homes in Mechanicsville 20659

What homes are worth in Mechanicsville 20659

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

This home
$220K$817K

This home is worth more than 56% of homes in Mechanicsville 20659.

How it measures up in Mechanicsville 20659

The dot is this home. The mark in the middle is the typical home in Mechanicsville 20659.

Estimated value$450,000
CheaperTypical $434,881Pricier

Pricier than 56% of homes nearby

Price per ft²$260
CheaperTypical $265Pricier

Pricier than 47% of homes nearby

Living area1,728 ft²
SmallerTypical 1,600 ft²Bigger

Bigger than 56% of homes nearby

Lot size0.84 ac
SmallerTypical 1.33 acBigger

Bigger than 27% of homes nearby

Year built1969
OlderTypical 1989Newer

Newer than 12% of homes nearby

How 38860 Chaptico Rd ranks against every home in each area.
MeasureThis homeMechanicsville 20659St. Mary's County
Estimated valuepricier than$450,00056% of homes56% of homes
Price per ft²pricier than$26047% of homes66% of homes
Living areabigger than1,728 ft²56% of homes47% of homes
Lot sizebigger than0.84 ac27% of homes52% of homes
Year builtnewer than196912% of homes17% of homes

About 38860 Chaptico Rd

How much is 38860 Chaptico Rd, Mechanicsville, MD worth?

The TopHap Estimate for 38860 Chaptico Rd, Mechanicsville, MD is $450,000 as of Oct 21, 2026. The likely range is $423,732 to $476,268. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38860 Chaptico Rd, Mechanicsville, MD last sell?

38860 Chaptico Rd, Mechanicsville, MD last sold on Apr 27, 2026 for $218,000, according to the county's recorded deed.

How big is 38860 Chaptico Rd, Mechanicsville, MD?

38860 Chaptico Rd, Mechanicsville, MD has 1 bathrooms, 1,728 square feet of living space and a 0.84-acre lot.

When was 38860 Chaptico Rd, Mechanicsville, MD built?

38860 Chaptico Rd, Mechanicsville, MD was built in 1969, making it 57 years old. The building has 1 story.

What schools serve 38860 Chaptico Rd, Mechanicsville, MD?

38860 Chaptico Rd, Mechanicsville, MD is assigned to Margaret Brent Middle School (middle), rated B; Chopticon High School (high), rated B-; Benjamin Banneker Elementary School (elementary), rated B. All sit in St. Marys County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38860 Chaptico Rd, Mechanicsville, MD compare to other homes in Mechanicsville 20659?

Among the 8,585 homes in Mechanicsville 20659, it is worth more than 56% of them ($450,000 against a typical $434,881), its price per square foot is higher than 47% of them ($260 against a typical $265), it is bigger than 56% of them (1,728 ft² against a typical 1,600 ft²), its lot is bigger than 27% of them (0.84 ac against a typical 1.33 ac) and it is newer than 12% of them (1969 against a typical 1989). Measured against all of St. Mary's County, it is worth more than 56% 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 38860 Chaptico Rd, Mechanicsville, MD?

The 2025 property tax bill for 38860 Chaptico Rd, Mechanicsville, MD was $165. The county assessed it at $292,900.

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