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TownhouseResidential
$269,805$250 / 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 Jul 14, 2026
Last sold for $255,000 on Sep 11, 2023

435 KOSOAK RD

MIDDLE RIVER, MD 21220
2 / 1
Baths
1,080 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.
1,368 ft²
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$270K
$254K low$286K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$255,000 · Sep 11, 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.$22,455
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$17,964
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.94%
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.$247,350
SIERRA PACIFIC MORTGAGE CO INC · recorded Sep 11, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,665 (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.$209,367 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$186,133
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$232,600

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.44
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.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
86
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
43
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.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.0.03
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
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 · 306 ft²

Transaction History(6)

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
Chase Elementary SchoolB+
Elementary · Grades PK–5 · 0.8 mi
H
Chesapeake High SchoolD+
High · Grades 9–12 · 3.4 mi
M
Middle River Middle SchoolD-
Middle · Grades 6–8 · 3.5 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

435 Kosoak 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.

  • Worth less than 76% of homes in Baltimore County
  • Costs more per square foot than 67% of homes in Middle River 21220
  • Smaller than 84% of homes in Baltimore County
  • Has a smaller lot than 97% of homes in Middle River 21220
  • Newer than 72% 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
$162K$866K

This home is worth more than 32% 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$269,805
CheaperTypical $341,800Pricier

Pricier than 32% of homes nearby

Price per ft²$250
CheaperTypical $222Pricier

Pricier than 67% of homes nearby

Living area1,080 ft²
SmallerTypical 1,414 ft²Bigger

Bigger than 26% of homes nearby

Lot size1,368 ft²
SmallerTypical 0.13 acBigger

Bigger than 3% of homes nearby

Year built1987
OlderTypical 1980Newer

Newer than 58% of homes nearby

How 435 Kosoak Rd ranks against every home in each area.
MeasureThis homeMiddle River 21220Baltimore County
Estimated valuepricier than$269,80532% of homes24% of homes
Price per ft²pricier than$25067% of homes60% of homes
Living areabigger than1,080 ft²26% of homes16% of homes
Lot sizebigger than1,368 ft²3% of homes5% of homes
Year builtnewer than198758% of homes72% of homes

About 435 Kosoak Rd

How much is 435 Kosoak Rd, Middle River, MD worth?

The TopHap Estimate for 435 Kosoak Rd, Middle River, MD is $269,805 as of Jul 14, 2026. The likely range is $253,578 to $286,032. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 435 Kosoak Rd, Middle River, MD last sell?

435 Kosoak Rd, Middle River, MD last sold on Sep 11, 2023 for $255,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 435 Kosoak Rd, Middle River, MD?

435 Kosoak Rd, Middle River, MD has 2 bathrooms, 1,080 square feet of living space and a 0.03-acre lot.

When was 435 Kosoak Rd, Middle River, MD built?

435 Kosoak Rd, Middle River, MD was built in 1987, making it 39 years old. It is a townhouse home. The building has 2 stories.

What schools serve 435 Kosoak Rd, Middle River, MD?

435 Kosoak Rd, Middle River, MD is assigned to Chase Elementary School (elementary), rated B+; Chesapeake High School (high), rated D+; Middle River 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 435 Kosoak Rd, Middle River, MD compare to other homes in Middle River 21220?

Among the 13,082 homes in Middle River 21220, it is worth more than 32% of them ($269,805 against a typical $341,800), its price per square foot is higher than 67% of them ($250 against a typical $222), it is bigger than 26% of them (1,080 ft² against a typical 1,414 ft²), its lot is bigger than 3% of them (1,368 ft² against a typical 0.13 ac) and it is newer than 58% of them (1987 against a typical 1980). Measured against all of Baltimore County, it is worth more than 24% 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 435 Kosoak Rd, Middle River, MD?

The 2025 property tax bill for 435 Kosoak Rd, Middle River, MD was $3,665. The county assessed it at $209,367.

Closest homes

More homes in Middle River 21220

Assigned schools

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