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Single Family ResidenceResidential
$511,876$250 / 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 81How 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 $349,000 on Apr 23, 2021

187 RATCLIFFE LN

LANCASTER, VA 22503
3
Beds
2
Baths
2,048 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.
1.86 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
2
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$512K
$413K low$611K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$349,000 · Apr 23, 2021
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.$246,876
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$197,501
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.48%
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.$265,000
UNITED WHOLESALE MORTGAGE · recorded Oct 24, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$29 (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.$526,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$270,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$255,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$526,000

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.48 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.79%
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.1 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
CountyLANCASTER
Lot (acres)The size of the land the home sits on, from county records.1.86
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
FireplaceWhether the home has a fireplace, and what kind.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.Boat liftShed · 176 ft²Porch · 24 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.

E
Lancaster Elementary SchoolD
Elementary · Grades KG–7 · 7.9 mi
H
Lancaster High SchoolD
High · Grades 8–12 · 8.4 mi

District: Lancaster County Public Schools

Neighborhood · ZIP 22503These 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.112
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.29

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.70%
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.21%
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.4,230
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.36 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,274
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,050
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.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

187 Ratcliffe Ln 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 71% of homes in Lancaster 22503
  • Bigger than 73% of homes in Lancaster 22503
  • Older than 94% of homes in Lancaster 22503

What homes are worth in Lancaster 22503

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

This home
$70K$1.3M

This home is worth more than 71% of homes in Lancaster 22503.

How it measures up in Lancaster 22503

The dot is this home. The mark in the middle is the typical home in Lancaster 22503.

Estimated value$511,876
CheaperTypical $297,042Pricier

Pricier than 71% of homes nearby

Price per ft²$250
CheaperTypical $204Pricier

Pricier than 63% of homes nearby

Living area2,048 ft²
SmallerTypical 1,512 ft²Bigger

Bigger than 73% of homes nearby

Lot size1.86 ac
SmallerTypical 1.5 acBigger

Bigger than 55% of homes nearby

Year built1910
OlderTypical 1980Newer

Newer than 6% of homes nearby

How 187 Ratcliffe Ln ranks against every home in each area.
MeasureThis homeLancaster 22503Lancaster County
Estimated valuepricier than$511,87671% of homes66% of homes
Price per ft²pricier than$25063% of homes57% of homes
Living areabigger than2,048 ft²73% of homes67% of homes
Lot sizebigger than1.86 ac55% of homes63% of homes
Year builtnewer than19106% of homes6% of homes

About 187 Ratcliffe Ln

How much is 187 Ratcliffe Ln, Lancaster, VA worth?

The TopHap Estimate for 187 Ratcliffe Ln, Lancaster, VA is $511,876 as of Jul 14, 2026. The likely range is $413,107 to $610,645. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 187 Ratcliffe Ln, Lancaster, VA last sell?

187 Ratcliffe Ln, Lancaster, VA last sold on Apr 23, 2021 for $349,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 187 Ratcliffe Ln, Lancaster, VA?

187 Ratcliffe Ln, Lancaster, VA has 3 bedrooms, 2 bathrooms, 2,048 square feet of living space and a 1.86-acre lot.

When was 187 Ratcliffe Ln, Lancaster, VA built?

187 Ratcliffe Ln, Lancaster, VA was built in 1910, making it 116 years old. The building has 2 stories.

What schools serve 187 Ratcliffe Ln, Lancaster, VA?

187 Ratcliffe Ln, Lancaster, 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 187 Ratcliffe Ln, Lancaster, VA compare to other homes in Lancaster 22503?

Among the 2,669 homes in Lancaster 22503, it is worth more than 71% of them ($511,876 against a typical $297,042), its price per square foot is higher than 63% of them ($250 against a typical $204), it is bigger than 73% of them (2,048 ft² against a typical 1,512 ft²), its lot is bigger than 55% of them (1.86 ac against a typical 1.5 ac) and it is newer than 6% of them (1910 against a typical 1980). Measured against all of Lancaster County, it is worth more than 66% 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 187 Ratcliffe Ln, Lancaster, VA?

The 2025 property tax bill for 187 Ratcliffe Ln, Lancaster, VA was $29. The county assessed it at $526,000.

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Closest homes

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