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TownhouseResidential
$321,299$219 / 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 $301,000 on May 3, 2023

523 ROYAL ST

ANNAPOLIS, MD 21401
3 / 2
Baths
1,470 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.
1,932 ft²
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$321K
$302K low$341K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$301,000 · May 3, 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.$29,329
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$23,463
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.91%
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.$291,970
FIRST HOME MORTGAGE CORP · recorded May 3, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,075 (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.$214,567 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$192,933
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$236,200

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.16
55
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
9
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.19 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyAnne Arundel
Lot (acres)The size of the land the home sits on, from county records.0.04
ConstructionThe main material the home's frame and walls are built from.Brick
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
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.Patio · 100 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
Walter S. Mills-Parole Elementary SchoolC+
Elementary · Grades KG–5 · 0.5 mi
M
Annapolis Middle SchoolC
Middle · Grades 6–8 · 1.2 mi
H
Annapolis High SchoolC
High · Grades 9–12 · 2.2 mi

District: Anne Arundel County Public Schools

Neighborhood · ZIP 21401These 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.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.38

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.39,516
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,752 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$116,570
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$157,167
Average tempThe average temperature here across a full year.57°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%

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

523 Royal 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 91% of homes in Annapolis 21401
  • Costs less per square foot than 97% of homes in Annapolis 21401
  • Smaller than 65% of homes in Edgewater
  • Has a smaller lot than 85% of homes in Anne Arundel County
  • Older than 78% of homes in Edgewater

What homes are worth in Annapolis 21401

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

This home
$250K$2.5M

This home is worth more than 9% of homes in Annapolis 21401.

How it measures up in Annapolis 21401

The dot is this home. The mark in the middle is the typical home in Annapolis 21401.

Estimated value$321,299
CheaperTypical $656,087Pricier

Pricier than 9% of homes nearby

Price per ft²$219
CheaperTypical $359Pricier

Pricier than 3% of homes nearby

Living area1,470 ft²
SmallerTypical 1,661 ft²Bigger

Bigger than 41% of homes nearby

Lot size1,932 ft²
SmallerTypical 0.15 acBigger

Bigger than 27% of homes nearby

Year built1970
OlderTypical 1986Newer

Newer than 32% of homes nearby

How 523 Royal St ranks against every home in each area.
MeasureThis homeEdgewaterAnnapolis 21401Anne Arundel County
Estimated valuepricier than$321,29918% of homes9% of homes9% of homes
Price per ft²pricier than$21914% of homes3% of homes7% of homes
Living areabigger than1,470 ft²35% of homes41% of homes41% of homes
Lot sizebigger than1,932 ft²36% of homes27% of homes15% of homes
Year builtnewer than197022% of homes32% of homes31% of homes

About 523 Royal St

How much is 523 Royal St, Annapolis, MD worth?

The TopHap Estimate for 523 Royal St, Annapolis, MD is $321,299 as of Jul 14, 2026. The likely range is $301,896 to $340,702. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 523 Royal St, Annapolis, MD last sell?

523 Royal St, Annapolis, MD last sold on May 3, 2023 for $301,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 523 Royal St, Annapolis, MD?

523 Royal St, Annapolis, MD has 3 bathrooms, 1,470 square feet of living space and a 0.04-acre lot.

When was 523 Royal St, Annapolis, MD built?

523 Royal St, Annapolis, MD was built in 1970, making it 56 years old. It is a townhouse home. The building has 2 stories.

What schools serve 523 Royal St, Annapolis, MD?

523 Royal St, Annapolis, MD is assigned to Walter S. Mills-Parole Elementary School (elementary), rated C+; Annapolis Middle School (middle), rated C; Annapolis High School (high), rated C. All sit in Anne Arundel County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 523 Royal St, Annapolis, MD compare to other homes in Annapolis 21401?

Among the 14,236 homes in Annapolis 21401, it is worth more than 9% of them ($321,299 against a typical $656,087), its price per square foot is higher than 3% of them ($219 against a typical $359), it is bigger than 41% of them (1,470 ft² against a typical 1,661 ft²), its lot is bigger than 27% of them (1,932 ft² against a typical 0.15 ac) and it is newer than 32% of them (1970 against a typical 1986). Measured against all of Anne Arundel County, it is worth more than 9% 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 523 Royal St, Annapolis, MD?

The 2025 property tax bill for 523 Royal St, Annapolis, MD was $3,075. The county assessed it at $214,567.

Closest homes

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Assigned schools

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