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Single Family ResidenceResidential
$446,799$200 / 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 Aug 30, 2026
Last sold for $380,000 on Nov 5, 2007

521 SPENCER TER

BALTIMORE, MD 21221
4 / 1
Baths
2,235 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.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
2007
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

$447K
$431K low$463K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$380,000 · Nov 5, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,545 (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.$397,767 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$357,633
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$437,900

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
CountyBaltimore
Lot (acres)The size of the land the home sits on, from county records.0.14
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.No

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.

H
Kenwood High SchoolD-
High · Grades 9–12 · 0.4 mi
M
Stemmers Run Middle SchoolD
Middle · Grades 6–8 · 0.7 mi
E
Essex Elementary SchoolC-
Elementary · Grades PK–5 · 1.2 mi

District: Baltimore County Public Schools

Neighborhood · ZIP 21221These 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.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

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.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.42,396
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,898 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,330
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,410
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

521 Spencer Ter 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 more than 85% of homes in Essex 21221
  • Costs less per square foot than 72% of homes in Baltimore County
  • Bigger than 90% of homes in Essex 21221
  • Newer than 94% of homes in Baltimore County

What homes are worth in Essex 21221

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

This home
$140K$747K

This home is worth more than 85% of homes in Essex 21221.

How it measures up in Essex 21221

The dot is this home. The mark in the middle is the typical home in Essex 21221.

Estimated value$446,799
CheaperTypical $282,682Pricier

Pricier than 85% of homes nearby

Price per ft²$200
CheaperTypical $207Pricier

Pricier than 43% of homes nearby

Living area2,235 ft²
SmallerTypical 1,240 ft²Bigger

Bigger than 90% of homes nearby

Lot size0.13 ac
SmallerTypical 0.16 acBigger

Bigger than 40% of homes nearby

Year built2007
OlderTypical 1957Newer

Newer than 92% of homes nearby

How 521 Spencer Ter ranks against every home in each area.
MeasureThis homeEssex 21221Baltimore County
Estimated valuepricier than$446,79985% of homes68% of homes
Price per ft²pricier than$20043% of homes28% of homes
Living areabigger than2,235 ft²90% of homes80% of homes
Lot sizebigger than0.13 ac40% of homes39% of homes
Year builtnewer than200792% of homes94% of homes

About 521 Spencer Ter

How much is 521 Spencer Ter, Baltimore, MD worth?

The TopHap Estimate for 521 Spencer Ter, Baltimore, MD is $446,799 as of Aug 30, 2026. The likely range is $430,797 to $462,801. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 521 Spencer Ter, Baltimore, MD last sell?

521 Spencer Ter, Baltimore, MD last sold on Nov 5, 2007 for $380,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 521 Spencer Ter, Baltimore, MD?

521 Spencer Ter, Baltimore, MD has 4 bathrooms, 2,235 square feet of living space and a 0.14-acre lot.

When was 521 Spencer Ter, Baltimore, MD built?

521 Spencer Ter, Baltimore, MD was built in 2007, making it 19 years old. It is a conventional home. The building has 2 stories.

What schools serve 521 Spencer Ter, Baltimore, MD?

521 Spencer Ter, Baltimore, MD is assigned to Kenwood High School (high), rated D-; Stemmers Run Middle School (middle), rated D; Essex Elementary School (elementary), rated C-. All sit in Baltimore County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 521 Spencer Ter, Baltimore, MD compare to other homes in Essex 21221?

Among the 12,676 homes in Essex 21221, it is worth more than 85% of them ($446,799 against a typical $282,682), its price per square foot is higher than 43% of them ($200 against a typical $207), it is bigger than 90% of them (2,235 ft² against a typical 1,240 ft²), its lot is bigger than 40% of them (0.13 ac against a typical 0.16 ac) and it is newer than 92% of them (2007 against a typical 1957). Measured against all of Baltimore County, it is worth more than 68% 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 521 Spencer Ter, Baltimore, MD?

The 2025 property tax bill for 521 Spencer Ter, Baltimore, MD was $6,545. The county assessed it at $397,767.

More homes on Spencer Ter

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Assigned schools

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