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Single Family ResidenceResidential
$512,764$238 / 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 92How 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 $47,000 on Aug 21, 2018

118 WINDING RIVER RD

FORK UNION, VA 23055
3
Beds
2.5
Baths
2,156 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.
10 ac
Lot SizeThe size of the land the home sits on, from county records.
2020
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$513K
$470K low$556K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$47,000 · Aug 21, 2018
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.$168,764
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$135,011
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.64%
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.$344,000
FULTON BANK · recorded Dec 11, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,743 (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.$495,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$76,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$419,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$495,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$495,800

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.68 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.0.2 percent flood zone

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
CountyFLUVANNA
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.2023
Lot (acres)The size of the land the home sits on, from county records.10.00
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.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 · 24 ft²

Transaction History(1)

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
Fluvanna Middle SchoolB
Middle · Grades 5–7 · 6.2 mi
E
Central Elementary SchoolC
Elementary · Grades 1–2 · 6.3 mi
H
Fluvanna County High SchoolC+
High · Grades 8–12 · 9.3 mi

District: Fluvanna County Public Schools

Neighborhood · ZIP 23055These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.92

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.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.1%
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.874
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.50 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,588
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,296
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.43 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

118 Winding 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 more than 90% of homes in Fork Union 23055
  • Costs more per square foot than 85% of homes in Fork Union 23055
  • Bigger than 79% of homes in Fluvanna County
  • Has a bigger lot than 88% of homes in Fluvanna County
  • Newer than 94% of homes in Fluvanna County

What homes are worth in Fork Union 23055

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

This home
$113K$659K

This home is worth more than 90% of homes in Fork Union 23055.

How it measures up in Fork Union 23055

The dot is this home. The mark in the middle is the typical home in Fork Union 23055.

Estimated value$512,764
CheaperTypical $278,111Pricier

Pricier than 90% of homes nearby

Price per ft²$238
CheaperTypical $179Pricier

Pricier than 85% of homes nearby

Living area2,156 ft²
SmallerTypical 1,664 ft²Bigger

Bigger than 74% of homes nearby

Lot size10 ac
SmallerTypical 3.38 acBigger

Bigger than 82% of homes nearby

Year built2020
OlderTypical 1975Newer

Newer than 92% of homes nearby

How 118 Winding River Rd ranks against every home in each area.
MeasureThis homeFork Union 23055Fluvanna County
Estimated valuepricier than$512,76490% of homes86% of homes
Price per ft²pricier than$23885% of homes67% of homes
Living areabigger than2,156 ft²74% of homes79% of homes
Lot sizebigger than10 ac82% of homes88% of homes
Year builtnewer than202092% of homes94% of homes

About 118 Winding River Rd

How much is 118 Winding River Rd, Fork Union, VA worth?

The TopHap Estimate for 118 Winding River Rd, Fork Union, VA is $512,764 as of Jul 14, 2026. The likely range is $469,748 to $555,780. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 118 Winding River Rd, Fork Union, VA last sell?

118 Winding River Rd, Fork Union, VA last sold on Aug 21, 2018 for $47,000, according to the county's recorded deed.

How big is 118 Winding River Rd, Fork Union, VA?

118 Winding River Rd, Fork Union, VA has 3 bedrooms, 2.5 bathrooms, 2,156 square feet of living space and a 10.00-acre lot.

When was 118 Winding River Rd, Fork Union, VA built?

118 Winding River Rd, Fork Union, VA was built in 2020, making it 6 years old. The building has 1 story.

What schools serve 118 Winding River Rd, Fork Union, VA?

118 Winding River Rd, Fork Union, VA is assigned to Fluvanna Middle School (middle), rated B; Central Elementary School (elementary), rated C; Fluvanna County High School (high), rated C+. All sit in Fluvanna County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 118 Winding River Rd, Fork Union, VA compare to other homes in Fork Union 23055?

Among the 356 homes in Fork Union 23055, it is worth more than 90% of them ($512,764 against a typical $278,111), its price per square foot is higher than 85% of them ($238 against a typical $179), it is bigger than 74% of them (2,156 ft² against a typical 1,664 ft²), its lot is bigger than 82% of them (10 ac against a typical 3.38 ac) and it is newer than 92% of them (2020 against a typical 1975). Measured against all of Fluvanna County, it is worth more than 86% 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 118 Winding River Rd, Fork Union, VA?

The 2025 property tax bill for 118 Winding River Rd, Fork Union, VA was $3,743. The county assessed it at $495,800.

Closest homes

More homes in Fork Union 23055

Assigned schools

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