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Single Family ResidenceResidential
$386,534$122 / 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 76How 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 $104,200 on Jan 13, 2005

109 SHEARWATER CT

RICHMOND, VA 23227
5
Beds
3.5
Baths
3,160 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.
0.44 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$387K
$296K low$477K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$104,200 · Jan 13, 2005
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.$116,534
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$93,227
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.69%
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.$270,000
DISCOVER HM LOANS · R · recorded Dec 9, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,834 (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.$461,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$90,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$371,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$463,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$461,900

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.62
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
80
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.
98
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.6 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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyHENRICO
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2013
Lot (acres)The size of the land the home sits on, from county records.0.44
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
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
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.Deck · 472 ft²Patio · 472 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.

M
Wilder Middle SchoolD+
Middle · Grades 6–8 · 0.3 mi
E
Chamberlayne Elementary SchoolC-
Elementary · Grades PK–5 · 1.0 mi
H
Henrico High SchoolD-
High · Grades 9–12 · 1.4 mi

District: Henrico County Public Schools

Neighborhood · ZIP 23227These 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.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.65

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
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.26,569
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,198 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,315
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,019
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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

109 Shearwater Ct 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 81% of homes in Richmond 23227
  • Costs less per square foot than 91% of homes in Henrico County
  • Bigger than 93% of homes in Richmond 23227
  • Has a bigger lot than 81% of homes in Richmond 23227
  • Newer than 89% of homes in Richmond 23227

What homes are worth in Richmond 23227

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

This home
$130K$667K

This home is worth more than 81% of homes in Richmond 23227.

How it measures up in Richmond 23227

The dot is this home. The mark in the middle is the typical home in Richmond 23227.

Estimated value$386,534
CheaperTypical $285,409Pricier

Pricier than 81% of homes nearby

Price per ft²$122
CheaperTypical $168Pricier

Pricier than 10% of homes nearby

Living area3,160 ft²
SmallerTypical 1,637 ft²Bigger

Bigger than 93% of homes nearby

Lot size0.44 ac
SmallerTypical 0.28 acBigger

Bigger than 81% of homes nearby

Year built2005
OlderTypical 1959Newer

Newer than 89% of homes nearby

How 109 Shearwater Ct ranks against every home in each area.
MeasureThis homeRichmond 23227Henrico County
Estimated valuepricier than$386,53481% of homes68% of homes
Price per ft²pricier than$12210% of homes9% of homes
Living areabigger than3,160 ft²93% of homes90% of homes
Lot sizebigger than0.44 ac81% of homes76% of homes
Year builtnewer than200589% of homes83% of homes

About 109 Shearwater Ct

How much is 109 Shearwater Ct, Richmond, VA worth?

The TopHap Estimate for 109 Shearwater Ct, Richmond, VA is $386,534 as of Jul 14, 2026. The likely range is $295,624 to $477,444. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Shearwater Ct, Richmond, VA last sell?

109 Shearwater Ct, Richmond, VA last sold on Jan 13, 2005 for $104,200, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Shearwater Ct, Richmond, VA?

109 Shearwater Ct, Richmond, VA has 5 bedrooms, 3.5 bathrooms, 3,160 square feet of living space and a 0.44-acre lot.

When was 109 Shearwater Ct, Richmond, VA built?

109 Shearwater Ct, Richmond, VA was built in 2005, making it 21 years old. It is a colonial home. The building has 2 stories.

What schools serve 109 Shearwater Ct, Richmond, VA?

109 Shearwater Ct, Richmond, VA is assigned to Wilder Middle School (middle), rated D+; Chamberlayne Elementary School (elementary), rated C-; Henrico High School (high), rated D-. All sit in Henrico County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Shearwater Ct, Richmond, VA compare to other homes in Richmond 23227?

Among the 7,274 homes in Richmond 23227, it is worth more than 81% of them ($386,534 against a typical $285,409), its price per square foot is higher than 10% of them ($122 against a typical $168), it is bigger than 93% of them (3,160 ft² against a typical 1,637 ft²), its lot is bigger than 81% of them (0.44 ac against a typical 0.28 ac) and it is newer than 89% of them (2005 against a typical 1959). Measured against all of Henrico 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 109 Shearwater Ct, Richmond, VA?

The 2026 property tax bill for 109 Shearwater Ct, Richmond, VA was $3,834. The county assessed it at $461,900.

Closest homes

More homes in Richmond 23227

Assigned schools

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