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Single Family ResidenceResidential
$446,313$197 / 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 87How 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

129 RIVER BLUFF RD

WHITE STONE, VA 22578
4
Beds
2.5
Baths
2,260 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.
0.97 ac
Lot SizeThe size of the land the home sits on, from county records.
1997
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.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$446K
$390K low$503K 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.$301,313
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$241,050
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.32%
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.$145,000
UNION MORTGAGE GROUP INC · 4.5% 2 · recorded May 16, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$22 (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.$390,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$365,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$390,900

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.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
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.
82
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
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
CountyLANCASTER
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.2012
Lot (acres)The size of the land the home sits on, from county records.0.97
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.Patio · 238 ft²Porch · 168 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.

E
Lancaster Elementary SchoolD
Elementary · Grades KG–7 · 5.5 mi
H
Lancaster High SchoolD
High · Grades 8–12 · 10.1 mi

District: Lancaster County Public Schools

Neighborhood · ZIP 22578These 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.99
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.34

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.68%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.3,195
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.79 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,403
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109,955
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.46 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.Yes

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

129 River Bluff 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.

  • Costs less per square foot than 76% of homes in White Stone 22578
  • Bigger than 73% of homes in Lancaster County
  • Newer than 72% of homes in Lancaster County

What homes are worth in White Stone 22578

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

This home
$91K$2.2M

This home is worth more than 45% of homes in White Stone 22578.

How it measures up in White Stone 22578

The dot is this home. The mark in the middle is the typical home in White Stone 22578.

Estimated value$446,313
CheaperTypical $508,300Pricier

Pricier than 45% of homes nearby

Price per ft²$197
CheaperTypical $285Pricier

Pricier than 24% of homes nearby

Living area2,260 ft²
SmallerTypical 1,860 ft²Bigger

Bigger than 64% of homes nearby

Lot size0.97 ac
SmallerTypical 1.32 acBigger

Bigger than 37% of homes nearby

Year built1997
OlderTypical 1983Newer

Newer than 70% of homes nearby

How 129 River Bluff Rd ranks against every home in each area.
MeasureThis homeWhite Stone 22578Lancaster County
Estimated valuepricier than$446,31345% of homes59% of homes
Price per ft²pricier than$19724% of homes39% of homes
Living areabigger than2,260 ft²64% of homes73% of homes
Lot sizebigger than0.97 ac37% of homes40% of homes
Year builtnewer than199770% of homes72% of homes

About 129 River Bluff Rd

How much is 129 River Bluff Rd, White Stone, VA worth?

The TopHap Estimate for 129 River Bluff Rd, White Stone, VA is $446,313 as of Jul 14, 2026. The likely range is $389,654 to $502,972. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 129 River Bluff Rd, White Stone, VA last sell?

129 River Bluff Rd, White Stone, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 129 River Bluff Rd, White Stone, VA?

129 River Bluff Rd, White Stone, VA has 4 bedrooms, 2.5 bathrooms, 2,260 square feet of living space and a 0.97-acre lot.

When was 129 River Bluff Rd, White Stone, VA built?

129 River Bluff Rd, White Stone, VA was built in 1997, making it 29 years old. The building has 2 stories.

What schools serve 129 River Bluff Rd, White Stone, VA?

129 River Bluff Rd, White Stone, VA is assigned to Lancaster Elementary School (elementary), rated D; Lancaster High School (high), rated D. All sit in Lancaster County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 129 River Bluff Rd, White Stone, VA compare to other homes in White Stone 22578?

Among the 1,840 homes in White Stone 22578, it is worth more than 45% of them ($446,313 against a typical $508,300), its price per square foot is higher than 24% of them ($197 against a typical $285), it is bigger than 64% of them (2,260 ft² against a typical 1,860 ft²), its lot is bigger than 37% of them (0.97 ac against a typical 1.32 ac) and it is newer than 70% of them (1997 against a typical 1983). Measured against all of Lancaster County, it is worth more than 59% 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 129 River Bluff Rd, White Stone, VA?

The 2025 property tax bill for 129 River Bluff Rd, White Stone, VA was $22. The county assessed it at $390,900.

Closest homes

More homes in White Stone 22578

Assigned schools

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