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Single Family ResidenceResidential
$822,396$508 / 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 56How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $146,000 on Jun 4, 1984

40 COGNAC WAY

SWANTON, MD 21561
2
Baths
1,620 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.
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$822K
$461K low$1.2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$146,000 · Jun 4, 1984

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,753 (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.$784,433 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$758,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$835,700

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.58
90
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.122 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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.0.47
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Electric
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.Waterfront-Not Specified
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 546 ft²

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
Broad Ford Elementary SchoolC-
Elementary · Grades PK–6 · 6.7 mi
H
Southern Garrett High SchoolC+
High · Grades 7–12 · 7.7 mi

District: Garrett County Public Schools

Neighborhood · ZIP 21561These 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.87
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.54%
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.13%
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.2,805
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.29 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,377
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,453
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

40 Cognac Way 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.

  • Worth more than 82% of homes in Garrett County
  • Costs more per square foot than 84% of homes in Garrett County
  • Has a smaller lot than 81% of homes in Swanton 21561
  • Older than 68% of homes in Swanton 21561

What homes are worth in Swanton 21561

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

This home
$96K$2.8M

This home is worth more than 63% of homes in Swanton 21561.

How it measures up in Swanton 21561

The dot is this home. The mark in the middle is the typical home in Swanton 21561.

Estimated value$822,396
CheaperTypical $629,266Pricier

Pricier than 63% of homes nearby

Price per ft²$508
CheaperTypical $406Pricier

Pricier than 65% of homes nearby

Living area1,620 ft²
SmallerTypical 1,562 ft²Bigger

Bigger than 54% of homes nearby

Lot size0.46 ac
SmallerTypical 1 acBigger

Bigger than 19% of homes nearby

Year built1972
OlderTypical 1988Newer

Newer than 32% of homes nearby

How 40 Cognac Way ranks against every home in each area.
MeasureThis homeSwanton 21561Garrett County
Estimated valuepricier than$822,39663% of homes82% of homes
Price per ft²pricier than$50865% of homes84% of homes
Living areabigger than1,620 ft²54% of homes57% of homes
Lot sizebigger than0.46 ac19% of homes23% of homes
Year builtnewer than197232% of homes34% of homes

About 40 Cognac Way

How much is 40 Cognac Way, Swanton, MD worth?

The TopHap Estimate for 40 Cognac Way, Swanton, MD is $822,396 as of Aug 30, 2026. The likely range is $461,339 to $1,183,452. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Cognac Way, Swanton, MD last sell?

40 Cognac Way, Swanton, MD last sold on Jun 4, 1984 for $146,000, according to the county's recorded deed.

How big is 40 Cognac Way, Swanton, MD?

40 Cognac Way, Swanton, MD has 2 bathrooms, 1,620 square feet of living space and a 0.47-acre lot.

When was 40 Cognac Way, Swanton, MD built?

40 Cognac Way, Swanton, MD was built in 1972, making it 54 years old. It is a conventional home. The building has 1 story.

What schools serve 40 Cognac Way, Swanton, MD?

40 Cognac Way, Swanton, MD is assigned to Broad Ford Elementary School (elementary), rated C-; Southern Garrett High School (high), rated C+. All sit in Garrett County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 Cognac Way, Swanton, MD compare to other homes in Swanton 21561?

Among the 2,833 homes in Swanton 21561, it is worth more than 63% of them ($822,396 against a typical $629,266), its price per square foot is higher than 65% of them ($508 against a typical $406), it is bigger than 54% of them (1,620 ft² against a typical 1,562 ft²), its lot is bigger than 19% of them (0.46 ac against a typical 1 ac) and it is newer than 32% of them (1972 against a typical 1988). Measured against all of Garrett County, it is worth more than 82% 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 40 Cognac Way, Swanton, MD?

The 2026 property tax bill for 40 Cognac Way, Swanton, MD was $8,753. The county assessed it at $784,433.

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