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Single Family ResidenceResidential
$261,775$166 / 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 96How 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 $112,500 on Nov 23, 2004

1320 W CLAY ST

RICHMOND, VA 23220
3
Beds
1.5
Baths
1,580 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
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

$262K
$252K low$271K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$112,500 · Nov 23, 2004
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.$114,775
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$91,820
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.53%
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.$147,000
VIRGINIA CREDIT UNION INC · R · 3.25% 2 · recorded Mar 7, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,728 (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.$394,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$110,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$284,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$377,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$394,000

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.35 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.Bungalow
CountyRICHMOND CITY
Lot (acres)The size of the land the home sits on, from county records.0.14
ConstructionThe main material the home's frame and walls are built from.Wood (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.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
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 · 144 ft²Porch · 112 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
George W. Carver Elementary SchoolF
Elementary · Grades KG–5 · 0.2 mi
M
Albert Hill Middle SchoolC-
Middle · Grades 6–8 · 1.7 mi
H
Thomas Jefferson High SchoolC-
High · Grades 9–12 · 2.2 mi

District: Richmond City Public Schools

Neighborhood · ZIP 23220These 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.118
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 100.67

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.39%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.22%
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.39,857
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8,201 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,038
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,454
Average tempThe average temperature here across a full year.58°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

1320 W Clay St 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 73% of homes in Richmond 23220
  • Has a bigger lot than 96% of homes in Carver
  • Newer than 90% of homes in Richmond 23220

What homes are worth in Richmond 23220

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

This home
$122K$1.2M

This home is worth more than 38% of homes in Richmond 23220.

How it measures up in Richmond 23220

The dot is this home. The mark in the middle is the typical home in Richmond 23220.

Estimated value$261,775
CheaperTypical $316,496Pricier

Pricier than 38% of homes nearby

Price per ft²$166
CheaperTypical $209Pricier

Pricier than 27% of homes nearby

Living area1,580 ft²
SmallerTypical 1,730 ft²Bigger

Bigger than 43% of homes nearby

Lot size0.14 ac
SmallerTypical 3,006 ft²Bigger

Bigger than 85% of homes nearby

Year built2004
OlderTypical 1919Newer

Newer than 90% of homes nearby

How 1320 W Clay St ranks against every home in each area.
MeasureThis homeCarverRichmond 23220Richmond city County
Estimated valuepricier than$261,77559% of homes38% of homes51% of homes
Price per ft²pricier than$16659% of homes27% of homes47% of homes
Living areabigger than1,580 ft²49% of homes43% of homes52% of homes
Lot sizebigger than0.14 ac96% of homes85% of homes39% of homes
Year builtnewer than200468% of homes90% of homes89% of homes

About 1320 W Clay St

How much is 1320 W Clay St, Richmond, VA worth?

The TopHap Estimate for 1320 W Clay St, Richmond, VA is $261,775 as of Jul 14, 2026. The likely range is $252,216 to $271,334. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1320 W Clay St, Richmond, VA last sell?

1320 W Clay St, Richmond, VA last sold on Nov 23, 2004 for $112,500, according to the county's recorded deed.

How big is 1320 W Clay St, Richmond, VA?

1320 W Clay St, Richmond, VA has 3 bedrooms, 1.5 bathrooms, 1,580 square feet of living space and a 0.14-acre lot.

When was 1320 W Clay St, Richmond, VA built?

1320 W Clay St, Richmond, VA was built in 2004, making it 22 years old. It is a bungalow home. The building has 2 stories.

What schools serve 1320 W Clay St, Richmond, VA?

1320 W Clay St, Richmond, VA is assigned to George W. Carver Elementary School (elementary), rated F; Albert Hill Middle School (middle), rated C-; Thomas Jefferson High School (high), rated C-. All sit in Richmond City Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1320 W Clay St, Richmond, VA compare to other homes in Richmond 23220?

Among the 8,426 homes in Richmond 23220, it is worth more than 38% of them ($261,775 against a typical $316,496), its price per square foot is higher than 27% of them ($166 against a typical $209), it is bigger than 43% of them (1,580 ft² against a typical 1,730 ft²), its lot is bigger than 85% of them (0.14 ac against a typical 3,006 ft²) and it is newer than 90% of them (2004 against a typical 1919). Measured against all of Richmond city County, it is worth more than 51% 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 1320 W Clay St, Richmond, VA?

The 2026 property tax bill for 1320 W Clay St, Richmond, VA was $4,728. The county assessed it at $394,000.

Closest homes

More homes in Richmond 23220

Assigned schools

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