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Single Family ResidenceResidential
$367,509$98 / 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 53How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

97 SPEAR RD

ACCIDENT, MD 21520
2.5
Baths
3,732 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 ac
Lot SizeThe size of the land the home sits on, from county records.
1918
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$368K
$194K low$541K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,008 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$101,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$34,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$67,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$94,233
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$101,400

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.44
20
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
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.3 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountyGARRETT
Lot (acres)The size of the land the home sits on, from county records.1.00
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.Forced Air With Air Conditioning
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 · 132 ft²Porch · 428 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Accident Elementary SchoolA-
Elementary · Grades PK–5 · 2.6 mi
M
Northern Middle SchoolB+
Middle · Grades 6–8 · 5.0 mi
H
Northern Garrett High SchoolA-
High · Grades 9–12 · 5.2 mi

District: Garrett County Public Schools

Neighborhood · ZIP 21520These 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.143
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.60%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.2,435
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.39 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,199
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,196
Average tempThe average temperature here across a full year.48°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%

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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

97 Spear 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 68% of homes in Accident 21520
  • Costs less per square foot than 95% of homes in Accident 21520
  • Among the largest homes in Accident 21520
  • Has a smaller lot than 73% of homes in Accident 21520
  • Older than 92% of homes in Garrett County

What homes are worth in Accident 21520

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

This home
$93K$895K

This home is worth more than 68% of homes in Accident 21520.

How it measures up in Accident 21520

The dot is this home. The mark in the middle is the typical home in Accident 21520.

Estimated value$367,509
CheaperTypical $296,228Pricier

Pricier than 68% of homes nearby

Price per ft²$98
CheaperTypical $195Pricier

Pricier than 5% of homes nearby

Living area3,732 ft²
SmallerTypical 1,512 ft²Bigger

Bigger than almost all homes nearby

Lot size1 ac
SmallerTypical 2.64 acBigger

Bigger than 27% of homes nearby

Year built1918
OlderTypical 1985Newer

Newer than 13% of homes nearby

How 97 Spear Rd ranks against every home in each area.
MeasureThis homeAccident 21520Garrett County
Estimated valuepricier than$367,50968% of homes56% of homes
Price per ft²pricier than$985% of homes9% of homes
Living areabigger than3,732 ft²almost all homes98% of homes
Lot sizebigger than1 ac27% of homes49% of homes
Year builtnewer than191813% of homes8% of homes

About 97 Spear Rd

How much is 97 Spear Rd, Accident, MD worth?

The TopHap Estimate for 97 Spear Rd, Accident, MD is $367,509 as of Sep 24, 2026. The likely range is $194,113 to $540,905. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 97 Spear Rd, Accident, MD last sell?

97 Spear Rd, Accident, MD last sold on Nov 18, 2003, according to the county's recorded deed.

How big is 97 Spear Rd, Accident, MD?

97 Spear Rd, Accident, MD has 2.5 bathrooms, 3,732 square feet of living space and a 1.00-acre lot.

When was 97 Spear Rd, Accident, MD built?

97 Spear Rd, Accident, MD was built in 1918, making it 108 years old. It is a conventional home. The building has 2 stories.

What schools serve 97 Spear Rd, Accident, MD?

97 Spear Rd, Accident, MD is assigned to Accident Elementary School (elementary), rated A-; Northern Middle School (middle), rated B+; Northern Garrett High School (high), rated A-. All sit in Garrett County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 97 Spear Rd, Accident, MD compare to other homes in Accident 21520?

Among the 978 homes in Accident 21520, it is worth more than 68% of them ($367,509 against a typical $296,228), its price per square foot is higher than 5% of them ($98 against a typical $195), it is bigger than almost all of them (3,732 ft² against a typical 1,512 ft²), its lot is bigger than 27% of them (1 ac against a typical 2.64 ac) and it is newer than 13% of them (1918 against a typical 1985). Measured against all of Garrett 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 97 Spear Rd, Accident, MD?

The 2026 property tax bill for 97 Spear Rd, Accident, MD was $1,008. The county assessed it at $101,400.

More homes on Spear Rd

Closest homes

More homes in Accident 21520

Assigned schools

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