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Single Family ResidenceResidential
$499,651$213 / 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 95How 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 $484,900 on Sep 5, 2024

3860 CLAY ST

POINT OF ROCKS, MD 21777
3
Baths
2,344 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.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$500K
$474K low$525K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$484,900 · Sep 5, 2024
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.$135,976
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$108,781
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.73%
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.$363,675
UNITED WHOLESALE MORTGAGE · recorded Sep 5, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,474 (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.$413,400 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$358,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$467,900

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.42
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
34
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyFREDERICK
Lot (acres)The size of the land the home sits on, from county records.0.26
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.Central
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 · 240 ft²Patio · 300 ft²Porch · 216 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.

M
Brunswick Middle SchoolB-
Middle · Grades 6–8 · 4.8 mi
H
Brunswick High SchoolB
High · Grades 9–12 · 5.1 mi
E
Valley Elementary SchoolA
Elementary · Grades KG–5 · 5.9 mi

District: Frederick County Public Schools

Neighborhood · ZIP 21777These 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.187
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

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.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.390
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.260 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$130,601
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$149,875
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.42 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

3860 Clay 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.

What homes are worth in Point of Rocks 21777

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

This home
$253K$716K

This home is worth more than 55% of homes in Point of Rocks 21777.

How it measures up in Point of Rocks 21777

The dot is this home. The mark in the middle is the typical home in Point of Rocks 21777.

Estimated value$499,651
CheaperTypical $478,647Pricier

Pricier than 55% of homes nearby

Price per ft²$213
CheaperTypical $205Pricier

Pricier than 57% of homes nearby

Living area2,344 ft²
SmallerTypical 2,196 ft²Bigger

Bigger than 54% of homes nearby

Lot size0.26 ac
SmallerTypical 0.28 acBigger

Bigger than 39% of homes nearby

Year built1993
OlderTypical 1999Newer

Newer than 47% of homes nearby

How 3860 Clay St ranks against every home in each area.
MeasureThis homePoint of Rocks 21777Frederick County
Estimated valuepricier than$499,65155% of homes52% of homes
Price per ft²pricier than$21357% of homes39% of homes
Living areabigger than2,344 ft²54% of homes56% of homes
Lot sizebigger than0.26 ac39% of homes55% of homes
Year builtnewer than199347% of homes55% of homes

About 3860 Clay St

How much is 3860 Clay St, Point Of Rocks, MD worth?

The TopHap Estimate for 3860 Clay St, Point Of Rocks, MD is $499,651 as of Jul 14, 2026. The likely range is $473,975 to $525,327. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3860 Clay St, Point Of Rocks, MD last sell?

3860 Clay St, Point Of Rocks, MD last sold on Sep 5, 2024 for $484,900, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 3860 Clay St, Point Of Rocks, MD?

3860 Clay St, Point Of Rocks, MD has 3 bathrooms, 2,344 square feet of living space and a 0.26-acre lot.

When was 3860 Clay St, Point Of Rocks, MD built?

3860 Clay St, Point Of Rocks, MD was built in 1993, making it 33 years old. It is a conventional home. The building has 1 story.

What schools serve 3860 Clay St, Point Of Rocks, MD?

3860 Clay St, Point Of Rocks, MD is assigned to Brunswick Middle School (middle), rated B-; Brunswick High School (high), rated B; Valley Elementary School (elementary), rated A. All sit in Frederick County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3860 Clay St, Point Of Rocks, MD compare to other homes in Point of Rocks 21777?

Among the 628 homes in Point of Rocks 21777, it is worth more than 55% of them ($499,651 against a typical $478,647), its price per square foot is higher than 57% of them ($213 against a typical $205), it is bigger than 54% of them (2,344 ft² against a typical 2,196 ft²), its lot is bigger than 39% of them (0.26 ac against a typical 0.28 ac) and it is newer than 47% of them (1993 against a typical 1999). Measured against all of Frederick County, it is worth more than 52% 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 3860 Clay St, Point Of Rocks, MD?

The 2025 property tax bill for 3860 Clay St, Point Of Rocks, MD was $4,474. The county assessed it at $413,400.

More homes on Clay St

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Assigned schools

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