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Single Family ResidenceResidential
$342,954$214 / 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 Sep 24, 2026
Last sold for $240,000 on Sep 19, 2019

40396 BAY DR

MECHANICSVILLE, MD 20659
2
Baths
1,600 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1975
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$343K
$322K low$364K 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 · Sep 19, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,125 (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.$292,133 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$279,367
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$304,900

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.46
26
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
81
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.45%
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.0.2 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
CountyST. MARY'S
Lot (acres)The size of the land the home sits on, from county records.0.34
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.Yes
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.Shed · 432 ft²Patio · 120 ft²Porch · 209 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
Lettie Marshall Dent Elementary SchoolB
Elementary · Grades PK–5 · 5.0 mi
M
Margaret Brent Middle SchoolB-
Middle · Grades 6–8 · 7.8 mi
H
Chopticon High SchoolB
High · Grades 9–12 · 9.1 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

40396 Bay Dr 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 less than 81% of homes in Mechanicsville 20659
  • Costs less per square foot than 79% of homes in Mechanicsville 20659
  • Has a smaller lot than 93% of homes in Mechanicsville 20659
  • Older than 78% 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
$205K$804K

This home is worth more than 19% 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$342,954
CheaperTypical $430,714Pricier

Pricier than 19% of homes nearby

Price per ft²$214
CheaperTypical $264Pricier

Pricier than 21% of homes nearby

Living area1,600 ft²
SmallerTypical 1,596 ft²Bigger

Bigger than 50% of homes nearby

Lot size0.34 ac
SmallerTypical 1.35 acBigger

Bigger than 7% of homes nearby

Year built1975
OlderTypical 1989Newer

Newer than 22% of homes nearby

How 40396 Bay Dr ranks against every home in each area.
MeasureThis homeMechanicsville 20659St. Mary's County
Estimated valuepricier than$342,95419% of homes26% of homes
Price per ft²pricier than$21421% of homes36% of homes
Living areabigger than1,600 ft²50% of homes42% of homes
Lot sizebigger than0.34 ac7% of homes33% of homes
Year builtnewer than197522% of homes26% of homes

About 40396 Bay Dr

How much is 40396 Bay Dr, Mechanicsville, MD worth?

The TopHap Estimate for 40396 Bay Dr, Mechanicsville, MD is $342,954 as of Sep 24, 2026. The likely range is $321,829 to $364,079. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40396 Bay Dr, Mechanicsville, MD last sell?

40396 Bay Dr, Mechanicsville, MD last sold on Sep 19, 2019 for $240,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 40396 Bay Dr, Mechanicsville, MD?

40396 Bay Dr, Mechanicsville, MD has 2 bathrooms, 1,600 square feet of living space and a 0.34-acre lot.

When was 40396 Bay Dr, Mechanicsville, MD built?

40396 Bay Dr, Mechanicsville, MD was built in 1975, making it 51 years old. The building has 2 stories.

What schools serve 40396 Bay Dr, Mechanicsville, MD?

40396 Bay Dr, Mechanicsville, MD is assigned to Lettie Marshall Dent Elementary School (elementary), rated B; Margaret Brent Middle School (middle), rated B-; Chopticon High School (high), rated B. All sit in St. Marys County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40396 Bay Dr, Mechanicsville, MD compare to other homes in Mechanicsville 20659?

Among the 8,585 homes in Mechanicsville 20659, it is worth more than 19% of them ($342,954 against a typical $430,714), its price per square foot is higher than 21% of them ($214 against a typical $264), it is bigger than 50% of them (1,600 ft² against a typical 1,596 ft²), its lot is bigger than 7% of them (0.34 ac against a typical 1.35 ac) and it is newer than 22% of them (1975 against a typical 1989). Measured against all of St. Mary's County, it is worth more than 26% 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 40396 Bay Dr, Mechanicsville, MD?

The 2025 property tax bill for 40396 Bay Dr, Mechanicsville, MD was $3,125. The county assessed it at $292,133.

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