Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$493,905$279 / 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 Jun 23, 2026

538 ROCK SPRING RD

BEL AIR, MD 21014
2.5
Baths
1,769 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.
0.42 ac
Lot SizeThe size of the land the home sits on, from county records.
1964
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$494K
$464K low$524K high
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.$212,655
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$170,124
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.57%
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.$281,250
ABSOLUTE HOME MORTGAGE CORP · recorded Sep 28, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,102 (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.$355,200 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$343,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$379,400

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyHARFORD
Lot (acres)The size of the land the home sits on, from county records.0.42
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
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.Garage, Attached
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 · 535 ft²Porch · 330 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.

H
Bel Air High SchoolC+
High · Grades 9–12 · 0.9 mi
M
Bel Air Middle SchoolA
Middle · Grades 6–8 · 1.2 mi
E
Red Pump Elementary SchoolA
Elementary · Grades PK–5 · 1.5 mi

District: Harford County Public Schools

Neighborhood · ZIP 21014These 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.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.55

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.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
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.38,636
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,732 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$117,745
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,331
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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.Absentee owner
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

538 Rock Spring 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 more than 65% of homes in Harford County
  • Costs more per square foot than 78% of homes in Harford County
  • Has a bigger lot than 70% of homes in Bel Air 21014
  • Older than 84% of homes in Bel Air 21014

What homes are worth in Bel Air 21014

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

This home
$172K$792K

This home is worth more than 58% of homes in Bel Air 21014.

How it measures up in Bel Air 21014

The dot is this home. The mark in the middle is the typical home in Bel Air 21014.

Estimated value$493,905
CheaperTypical $461,103Pricier

Pricier than 58% of homes nearby

Price per ft²$279
CheaperTypical $252Pricier

Pricier than 74% of homes nearby

Living area1,769 ft²
SmallerTypical 1,752 ft²Bigger

Bigger than 51% of homes nearby

Lot size0.42 ac
SmallerTypical 0.27 acBigger

Bigger than 70% of homes nearby

Year built1964
OlderTypical 1987Newer

Newer than 16% of homes nearby

How 538 Rock Spring Rd ranks against every home in each area.
MeasureThis homeBel Air 21014Harford County
Estimated valuepricier than$493,90558% of homes65% of homes
Price per ft²pricier than$27974% of homes78% of homes
Living areabigger than1,769 ft²51% of homes55% of homes
Lot sizebigger than0.42 ac70% of homes58% of homes
Year builtnewer than196416% of homes17% of homes

About 538 Rock Spring Rd

How much is 538 Rock Spring Rd, Bel Air, MD worth?

The TopHap Estimate for 538 Rock Spring Rd, Bel Air, MD is $493,905 as of Jun 23, 2026. The likely range is $464,270 to $523,539. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 538 Rock Spring Rd, Bel Air, MD last sell?

538 Rock Spring Rd, Bel Air, MD last sold on Apr 30, 2007, according to the county's recorded deed.

How big is 538 Rock Spring Rd, Bel Air, MD?

538 Rock Spring Rd, Bel Air, MD has 2.5 bathrooms, 1,769 square feet of living space and a 0.42-acre lot.

When was 538 Rock Spring Rd, Bel Air, MD built?

538 Rock Spring Rd, Bel Air, MD was built in 1964, making it 62 years old. The building has 1 story.

What schools serve 538 Rock Spring Rd, Bel Air, MD?

538 Rock Spring Rd, Bel Air, MD is assigned to Bel Air High School (high), rated C+; Bel Air Middle School (middle), rated A; Red Pump Elementary School (elementary), rated A. All sit in Harford County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 538 Rock Spring Rd, Bel Air, MD compare to other homes in Bel Air 21014?

Among the 13,300 homes in Bel Air 21014, it is worth more than 58% of them ($493,905 against a typical $461,103), its price per square foot is higher than 74% of them ($279 against a typical $252), it is bigger than 51% of them (1,769 ft² against a typical 1,752 ft²), its lot is bigger than 70% of them (0.42 ac against a typical 0.27 ac) and it is newer than 16% of them (1964 against a typical 1987). Measured against all of Harford County, it is worth more than 65% 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 538 Rock Spring Rd, Bel Air, MD?

The 2025 property tax bill for 538 Rock Spring Rd, Bel Air, MD was $3,102. The county assessed it at $355,200.

Closest homes

More homes in Bel Air 21014

Assigned schools

Explore the area

See this home in context

Open 538 Rock Spring Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map