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Single Family ResidenceResidential
$389,700$239 / 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 90How 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 $385,000 on Oct 24, 2025

405 PROSPECT ST

LA PLATA, MD 20646
2
Baths
1,632 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.
0.45 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$390K
$349K low$430K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$385,000 · Oct 24, 2025

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$330,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$104,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$225,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$306,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$330,400

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.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
77
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
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
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyCHARLES
Lot (acres)The size of the land the home sits on, from county records.0.45
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.Baseboard
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.Deck · 196 ft²Porch · 256 ft²

Transaction History(3)

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
Milton M. Somers Middle SchoolC-
Middle · Grades 6–8 · 0.8 mi
E
Mary H. Matula Elementary SchoolB+
Elementary · Grades PK–5 · 1.4 mi
H
La Plata High SchoolB
High · Grades 9–12 · 1.6 mi

District: Charles County Public Schools

Neighborhood · ZIP 20646These 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.86
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.4%
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.23,382
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.280 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$129,154
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$147,771
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.44 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

405 Prospect St 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 74% of homes in La Plata 20646
  • Costs more per square foot than 76% of homes in Charles County
  • Smaller than 78% of homes in La Plata 20646
  • Older than 97% of homes in La Plata 20646

What homes are worth in La Plata 20646

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

This home
$255K$868K

This home is worth more than 26% of homes in La Plata 20646.

How it measures up in La Plata 20646

The dot is this home. The mark in the middle is the typical home in La Plata 20646.

Estimated value$389,700
CheaperTypical $465,354Pricier

Pricier than 26% of homes nearby

Price per ft²$239
CheaperTypical $209Pricier

Pricier than 75% of homes nearby

Living area1,632 ft²
SmallerTypical 2,204 ft²Bigger

Bigger than 22% of homes nearby

Lot size0.45 ac
SmallerTypical 0.77 acBigger

Bigger than 39% of homes nearby

Year built1945
OlderTypical 1993Newer

Newer than 3% of homes nearby

How 405 Prospect St ranks against every home in each area.
MeasureThis homeLa Plata 20646Charles County
Estimated valuepricier than$389,70026% of homes34% of homes
Price per ft²pricier than$23975% of homes76% of homes
Living areabigger than1,632 ft²22% of homes26% of homes
Lot sizebigger than0.45 ac39% of homes61% of homes
Year builtnewer than19453% of homes4% of homes

About 405 Prospect St

How much is 405 Prospect St, La Plata, MD worth?

The TopHap Estimate for 405 Prospect St, La Plata, MD is $389,700 as of Aug 30, 2026. The likely range is $349,059 to $430,341. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 405 Prospect St, La Plata, MD last sell?

405 Prospect St, La Plata, MD last sold on Oct 24, 2025 for $385,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 405 Prospect St, La Plata, MD?

405 Prospect St, La Plata, MD has 2 bathrooms, 1,632 square feet of living space and a 0.45-acre lot.

When was 405 Prospect St, La Plata, MD built?

405 Prospect St, La Plata, MD was built in 1945, making it 81 years old. It is a conventional home. The building has 1 story.

What schools serve 405 Prospect St, La Plata, MD?

405 Prospect St, La Plata, MD is assigned to Milton M. Somers Middle School (middle), rated C-; Mary H. Matula Elementary School (elementary), rated B+; La Plata High School (high), rated B. All sit in Charles County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 405 Prospect St, La Plata, MD compare to other homes in La Plata 20646?

Among the 8,781 homes in La Plata 20646, it is worth more than 26% of them ($389,700 against a typical $465,354), its price per square foot is higher than 75% of them ($239 against a typical $209), it is bigger than 22% of them (1,632 ft² against a typical 2,204 ft²), its lot is bigger than 39% of them (0.45 ac against a typical 0.77 ac) and it is newer than 3% of them (1945 against a typical 1993). Measured against all of Charles County, it is worth more than 34% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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