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Single Family ResidenceResidential
$526,323$249 / 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 87How 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 $395,000 on Feb 21, 2007

4203 GARNET DR

MIDDLETOWN, MD 21769
2
Baths
2,112 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.
1980
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$526K
$457K low$596K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$395,000 · Feb 21, 2007
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.$383,323
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$306,658
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.27%
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.$118,000
PNC BANK NA · recorded Oct 7, 2020
2nd 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.$25,000
PNC BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,222 (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.$432,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$109,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$323,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$389,633
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$432,400

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.42
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
34
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyFREDERICK
Lot (acres)The size of the land the home sits on, from county records.0.34
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.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 216 ft²Porch · 224 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
Middletown Primary School
Elementary · Grades KG–2 · 1.2 mi
M
Middletown Middle SchoolB+
Middle · Grades 6–8 · 1.4 mi
H
Middletown High SchoolA-
High · Grades 9–12 · 1.6 mi

District: Frederick County Public Schools

Neighborhood · ZIP 21769These 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.69
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

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.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.1%
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.14,084
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.344 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$142,240
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$167,117
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.42 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

4203 Garnet 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 66% of homes in Frederick County
  • Has a smaller lot than 71% of homes in Middletown 21769
  • Older than 66% of homes in Frederick County

What homes are worth in Middletown 21769

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

This home
$279K$1.2M

This home is worth more than 46% of homes in Middletown 21769.

How it measures up in Middletown 21769

The dot is this home. The mark in the middle is the typical home in Middletown 21769.

Estimated value$526,323
CheaperTypical $550,243Pricier

Pricier than 46% of homes nearby

Price per ft²$249
CheaperTypical $229Pricier

Pricier than 65% of homes nearby

Living area2,112 ft²
SmallerTypical 2,392 ft²Bigger

Bigger than 39% of homes nearby

Lot size0.34 ac
SmallerTypical 0.55 acBigger

Bigger than 29% of homes nearby

Year built1980
OlderTypical 1982Newer

Newer than 49% of homes nearby

How 4203 Garnet Dr ranks against every home in each area.
MeasureThis homeMiddletown 21769Frederick County
Estimated valuepricier than$526,32346% of homes56% of homes
Price per ft²pricier than$24965% of homes66% of homes
Living areabigger than2,112 ft²39% of homes47% of homes
Lot sizebigger than0.34 ac29% of homes62% of homes
Year builtnewer than198049% of homes34% of homes

About 4203 Garnet Dr

How much is 4203 Garnet Dr, Middletown, MD worth?

The TopHap Estimate for 4203 Garnet Dr, Middletown, MD is $526,323 as of Jul 14, 2026. The likely range is $457,060 to $595,586. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4203 Garnet Dr, Middletown, MD last sell?

4203 Garnet Dr, Middletown, MD last sold on Feb 21, 2007 for $395,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 4203 Garnet Dr, Middletown, MD?

4203 Garnet Dr, Middletown, MD has 2 bathrooms, 2,112 square feet of living space and a 0.34-acre lot.

When was 4203 Garnet Dr, Middletown, MD built?

4203 Garnet Dr, Middletown, MD was built in 1980, making it 46 years old. It is a conventional home. The building has 2 stories.

What schools serve 4203 Garnet Dr, Middletown, MD?

4203 Garnet Dr, Middletown, MD is assigned to Middletown Primary School (elementary); Middletown Middle School (middle), rated B+; Middletown High School (high), rated A-. All sit in Frederick County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4203 Garnet Dr, Middletown, MD compare to other homes in Middletown 21769?

Among the 4,343 homes in Middletown 21769, it is worth more than 46% of them ($526,323 against a typical $550,243), its price per square foot is higher than 65% of them ($249 against a typical $229), it is bigger than 39% of them (2,112 ft² against a typical 2,392 ft²), its lot is bigger than 29% of them (0.34 ac against a typical 0.55 ac) and it is newer than 49% of them (1980 against a typical 1982). Measured against all of Frederick County, it is worth more than 56% 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 4203 Garnet Dr, Middletown, MD?

The 2025 property tax bill for 4203 Garnet Dr, Middletown, MD was $4,222. The county assessed it at $432,400.

Closest homes

More homes in Middletown 21769

Assigned schools

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