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Single Family ResidenceResidential
$115,699$62 / 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 84How 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 $80,000 on May 31, 2024

10915 JAMES RIVER RD

SHIPMAN, VA 22971
3
Beds
2
Baths
1,866 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.
0.93 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$116K
$97K low$134K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$80,000 · May 31, 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.$55,699
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$44,559
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.65%
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.$60,000
RCF CONTRACTING LLC · P · recorded May 31, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$725 (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.$129,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$119,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$76,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$129,500

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.43
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
23
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
83
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
91
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
20
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.Conventional
CountyNELSON
Lot (acres)The size of the land the home sits on, from county records.0.93
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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.Metal
HeatingThe type of heating system in the home.None
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 · 228 ft²Porch · 189 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
Nelson Middle SchoolB+
Middle · Grades 6–8 · 2.9 mi
H
Nelson County High SchoolC-
High · Grades 9–12 · 2.9 mi
E
Tye River Elementary SchoolB-
Elementary · Grades PK–5 · 3.9 mi

District: Nelson County Public Schools

Neighborhood · ZIP 22971These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.74

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.83%
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.12%
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.1,751
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.33 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,937
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,399
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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.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

10915 James River 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 less than 77% of homes in Nelson County
  • Among the lowest price per square foot in Nelson County
  • Bigger than 79% of homes in Shipman 22971
  • Has a smaller lot than 86% of homes in Shipman 22971
  • Older than 90% of homes in Nelson County

What homes are worth in Shipman 22971

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

This home
$38K$727K

This home is worth more than 40% of homes in Shipman 22971.

How it measures up in Shipman 22971

The dot is this home. The mark in the middle is the typical home in Shipman 22971.

Estimated value$115,699
CheaperTypical $156,768Pricier

Pricier than 40% of homes nearby

Price per ft²$62
CheaperTypical $173Pricier

Pricier than 2% of homes nearby

Living area1,866 ft²
SmallerTypical 1,400 ft²Bigger

Bigger than 79% of homes nearby

Lot size0.93 ac
SmallerTypical 3.03 acBigger

Bigger than 14% of homes nearby

Year built1930
OlderTypical 1982Newer

Newer than 14% of homes nearby

How 10915 James River Rd ranks against every home in each area.
MeasureThis homeShipman 22971Nelson County
Estimated valuepricier than$115,69940% of homes23% of homes
Price per ft²pricier than$622% of homesalmost no homes
Living areabigger than1,866 ft²79% of homes70% of homes
Lot sizebigger than0.93 ac14% of homes27% of homes
Year builtnewer than193014% of homes10% of homes

About 10915 James River Rd

How much is 10915 James River Rd, Shipman, VA worth?

The TopHap Estimate for 10915 James River Rd, Shipman, VA is $115,699 as of Jul 14, 2026. The likely range is $97,047 to $134,351. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10915 James River Rd, Shipman, VA last sell?

10915 James River Rd, Shipman, VA last sold on May 31, 2024 for $80,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 10915 James River Rd, Shipman, VA?

10915 James River Rd, Shipman, VA has 3 bedrooms, 2 bathrooms, 1,866 square feet of living space and a 0.93-acre lot.

When was 10915 James River Rd, Shipman, VA built?

10915 James River Rd, Shipman, VA was built in 1930, making it 96 years old. It is a conventional home. The building has 2 stories.

What schools serve 10915 James River Rd, Shipman, VA?

10915 James River Rd, Shipman, VA is assigned to Nelson Middle School (middle), rated B+; Nelson County High School (high), rated C-; Tye River Elementary School (elementary), rated B-. All sit in Nelson County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10915 James River Rd, Shipman, VA compare to other homes in Shipman 22971?

Among the 1,315 homes in Shipman 22971, it is worth more than 40% of them ($115,699 against a typical $156,768), its price per square foot is higher than 2% of them ($62 against a typical $173), it is bigger than 79% of them (1,866 ft² against a typical 1,400 ft²), its lot is bigger than 14% of them (0.93 ac against a typical 3.03 ac) and it is newer than 14% of them (1930 against a typical 1982). Measured against all of Nelson County, it is worth more than 23% 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 10915 James River Rd, Shipman, VA?

The 2026 property tax bill for 10915 James River Rd, Shipman, VA was $725. The county assessed it at $129,500.

Closest homes

More homes in Shipman 22971

Assigned schools

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