Skip to content
Skip to content
TopHapOpen in map
TownhouseResidential
$321,075$159 / 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 95How 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 $300,000 on Mar 27, 2023

4020 CUTTY SARK RD

MIDDLE RIVER, MD 21220
3
Baths
2,016 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.
1,601 ft²
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.

Valuation

$321K
$307K low$336K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$300,000 · Mar 27, 2023
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.$26,509
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$21,207
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.95%
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.$294,566
STATE EMPLOYEES CU OF MARYLAND INC · recorded Mar 27, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,889 (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.$252,600 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$229,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$276,000

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
StyleThe architectural style of the home, such as ranch or colonial.Townhouse
CountyBaltimore
Lot (acres)The size of the land the home sits on, from county records.0.04
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

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
Seneca Elementary SchoolC-
Elementary · Grades PK–5 · 0.5 mi
H
Chesapeake High SchoolD+
High · Grades 9–12 · 3.3 mi
M
Stemmers Run Middle SchoolD
Middle · Grades 6–8 · 4.1 mi

District: Baltimore County Public Schools

Neighborhood · ZIP 21220These 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.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

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.94%
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.18%
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.43,388
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,388 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$88,236
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,046
Average tempThe average temperature here across a full year.56°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%

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

4020 Cutty Sark 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 less per square foot than 93% of homes in Middle River 21220
  • Bigger than 75% of homes in Middle River 21220
  • Has a smaller lot than 95% of homes in Middle River 21220
  • Newer than 92% of homes in Baltimore County

What homes are worth in Middle River 21220

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

This home
$163K$871K

This home is worth more than 45% of homes in Middle River 21220.

How it measures up in Middle River 21220

The dot is this home. The mark in the middle is the typical home in Middle River 21220.

Estimated value$321,075
CheaperTypical $341,070Pricier

Pricier than 45% of homes nearby

Price per ft²$159
CheaperTypical $222Pricier

Pricier than 7% of homes nearby

Living area2,016 ft²
SmallerTypical 1,421 ft²Bigger

Bigger than 75% of homes nearby

Lot size1,601 ft²
SmallerTypical 0.13 acBigger

Bigger than 5% of homes nearby

Year built2004
OlderTypical 1980Newer

Newer than 76% of homes nearby

How 4020 Cutty Sark Rd ranks against every home in each area.
MeasureThis homeMiddle River 21220Baltimore County
Estimated valuepricier than$321,07545% of homes39% of homes
Price per ft²pricier than$1597% of homes7% of homes
Living areabigger than2,016 ft²75% of homes75% of homes
Lot sizebigger than1,601 ft²5% of homes7% of homes
Year builtnewer than200476% of homes92% of homes

About 4020 Cutty Sark Rd

How much is 4020 Cutty Sark Rd, Middle River, MD worth?

The TopHap Estimate for 4020 Cutty Sark Rd, Middle River, MD is $321,075 as of Jul 14, 2026. The likely range is $306,558 to $335,592. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4020 Cutty Sark Rd, Middle River, MD last sell?

4020 Cutty Sark Rd, Middle River, MD last sold on Mar 27, 2023 for $300,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 4020 Cutty Sark Rd, Middle River, MD?

4020 Cutty Sark Rd, Middle River, MD has 3 bathrooms, 2,016 square feet of living space and a 0.04-acre lot.

When was 4020 Cutty Sark Rd, Middle River, MD built?

4020 Cutty Sark Rd, Middle River, MD was built in 2004, making it 22 years old. It is a townhouse home. The building has 3 stories.

What schools serve 4020 Cutty Sark Rd, Middle River, MD?

4020 Cutty Sark Rd, Middle River, MD is assigned to Seneca Elementary School (elementary), rated C-; Chesapeake High School (high), rated D+; Stemmers Run Middle School (middle), rated D. All sit in Baltimore County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4020 Cutty Sark Rd, Middle River, MD compare to other homes in Middle River 21220?

Among the 13,084 homes in Middle River 21220, it is worth more than 45% of them ($321,075 against a typical $341,070), its price per square foot is higher than 7% of them ($159 against a typical $222), it is bigger than 75% of them (2,016 ft² against a typical 1,421 ft²), its lot is bigger than 5% of them (1,601 ft² against a typical 0.13 ac) and it is newer than 76% of them (2004 against a typical 1980). Measured against all of Baltimore County, it is worth more than 39% 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 4020 Cutty Sark Rd, Middle River, MD?

The 2025 property tax bill for 4020 Cutty Sark Rd, Middle River, MD was $3,889. The county assessed it at $252,600.

Closest homes

More homes in Middle River 21220

Assigned schools

Explore the area

See this home in context

Open 4020 Cutty Sark Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map