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Single Family ResidenceResidential
$452,667$322 / 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 96How 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 $349,900 on Sep 2, 2015

40481 BAY DR

MECHANICSVILLE, MD 20659
2
Baths
1,404 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.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$453K
$433K low$473K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$349,900 · Sep 2, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,433 (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.$433,500 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$402,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$464,200

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.53
77
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
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.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.62%
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
CountyST. MARY'S
Lot (acres)The size of the land the home sits on, from county records.0.37
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)
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 · 266 ft²Porch · 284 ft²Boat access

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 · 5.1 mi
M
Margaret Brent Middle SchoolB-
Middle · Grades 6–8 · 7.9 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

40481 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.

  • Costs more per square foot than 87% of homes in St. Mary's County
  • Smaller than 66% of homes in St. Mary's County
  • Has a smaller lot than 90% 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
$217K$801K

This home is worth more than 58% 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$452,667
CheaperTypical $430,870Pricier

Pricier than 58% of homes nearby

Price per ft²$322
CheaperTypical $262Pricier

Pricier than 79% of homes nearby

Living area1,404 ft²
SmallerTypical 1,600 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.37 ac
SmallerTypical 1.34 acBigger

Bigger than 10% of homes nearby

Year built1986
OlderTypical 1989Newer

Newer than 42% of homes nearby

How 40481 Bay Dr ranks against every home in each area.
MeasureThis homeMechanicsville 20659St. Mary's County
Estimated valuepricier than$452,66758% of homes58% of homes
Price per ft²pricier than$32279% of homes87% of homes
Living areabigger than1,404 ft²42% of homes34% of homes
Lot sizebigger than0.37 ac10% of homes35% of homes
Year builtnewer than198642% of homes39% of homes

About 40481 Bay Dr

How much is 40481 Bay Dr, Mechanicsville, MD worth?

The TopHap Estimate for 40481 Bay Dr, Mechanicsville, MD is $452,667 as of Sep 24, 2026. The likely range is $432,786 to $472,548. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40481 Bay Dr, Mechanicsville, MD last sell?

40481 Bay Dr, Mechanicsville, MD last sold on Sep 2, 2015 for $349,900, according to the county's recorded deed.

How big is 40481 Bay Dr, Mechanicsville, MD?

40481 Bay Dr, Mechanicsville, MD has 2 bathrooms, 1,404 square feet of living space and a 0.37-acre lot.

When was 40481 Bay Dr, Mechanicsville, MD built?

40481 Bay Dr, Mechanicsville, MD was built in 1986, making it 40 years old. The building has 1 story.

What schools serve 40481 Bay Dr, Mechanicsville, MD?

40481 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 40481 Bay Dr, Mechanicsville, MD compare to other homes in Mechanicsville 20659?

Among the 8,585 homes in Mechanicsville 20659, it is worth more than 58% of them ($452,667 against a typical $430,870), its price per square foot is higher than 79% of them ($322 against a typical $262), it is bigger than 42% of them (1,404 ft² against a typical 1,600 ft²), its lot is bigger than 10% of them (0.37 ac against a typical 1.34 ac) and it is newer than 42% of them (1986 against a typical 1989). Measured against all of St. Mary's 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 40481 Bay Dr, Mechanicsville, MD?

The 2025 property tax bill for 40481 Bay Dr, Mechanicsville, MD was $4,433. The county assessed it at $433,500.

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