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Single Family ResidenceResidential
$231,790
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 98How 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

11972 RIVER RD

CHESTERFIELD, VA 23838
0
Baths
1 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$232K
$227K low$236K high
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.$126,122
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$100,898
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.47%
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.$105,668
BENEFICIAL MORTGAGE CO VA · R · recorded Oct 29, 2008

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$79,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$79,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$76,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$79,500

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCHESTERFIELD
Lot (acres)The size of the land the home sits on, from county records.1.00
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

H
Matoaca High SchoolC-
High · Grades 9–12 · 7.5 mi
M
Matoaca Middle SchoolC-
Middle · Grades 6–8 · 7.8 mi
E
Matoaca Elementary SchoolA-
Elementary · Grades PK–5 · 8.1 mi

District: Chesterfield County Public Schools

Neighborhood · ZIP 23838These 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.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.64

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.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
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.17,655
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.170 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$124,010
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$150,389
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

11972 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 91% of homes in Chesterfield 23838
  • Has a bigger lot than 82% of homes in Chesterfield County

What homes are worth in Chesterfield 23838

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

This home
$140K$1M

This home is worth more than 9% of homes in Chesterfield 23838.

How it measures up in Chesterfield 23838

The dot is this home. The mark in the middle is the typical home in Chesterfield 23838.

Estimated value$231,790
CheaperTypical $445,661Pricier

Pricier than 9% of homes nearby

Lot size1 ac
SmallerTypical 1.55 acBigger

Bigger than 20% of homes nearby

How 11972 River Rd ranks against every home in each area.
MeasureThis homeChesterfield 23838Chesterfield County
Estimated valuepricier than$231,7909% of homes23% of homes
Lot sizebigger than1 ac20% of homes82% of homes

About 11972 River Rd

How much is 11972 River Rd, Chesterfield, VA worth?

The TopHap Estimate for 11972 River Rd, Chesterfield, VA is $231,790 as of Jul 14, 2026. The likely range is $227,233 to $236,347. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11972 River Rd, Chesterfield, VA last sell?

11972 River Rd, Chesterfield, VA last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve 11972 River Rd, Chesterfield, VA?

11972 River Rd, Chesterfield, VA is assigned to Matoaca High School (high), rated C-; Matoaca Middle School (middle), rated C-; Matoaca Elementary School (elementary), rated A-. All sit in Chesterfield County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 11972 River Rd, Chesterfield, VA compare to other homes in Chesterfield 23838?

Among the 8,147 homes in Chesterfield 23838, it is worth more than 9% of them ($231,790 against a typical $445,661) and its lot is bigger than 20% of them (1 ac against a typical 1.55 ac). Measured against all of Chesterfield 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.

Closest homes

More homes in Chesterfield 23838

Assigned schools

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See this home in context

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