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Single Family ResidenceResidential
$425,220$201 / 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

189 HARDWARE RIVER DR

SCOTTSVILLE, VA 24590
3
Beds
2
Baths
2,113 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.
10.26 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$425K
$407K low$444K 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.$170,420
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$136,336
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.70%
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.$254,800
QUICKEN LOANS INC · recorded Jan 28, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,985 (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.$395,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$72,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$323,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$395,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$395,300

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.38 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
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.2011
Lot (acres)The size of the land the home sits on, from county records.10.26
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 · 120 ft²Porch · 155 ft²

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

E
Central Elementary SchoolC
Elementary · Grades 1–2 · 8.9 mi
M
Fluvanna Middle SchoolB
Middle · Grades 5–7 · 9.1 mi
H
Fluvanna County High SchoolC+
High · Grades 8–12 · 10.6 mi

District: Fluvanna County Public Schools

Neighborhood · ZIP 24590These 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.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.88

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.2%
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.7,175
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.45 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,534
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,457
Average tempThe average temperature here across a full year.56°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

189 Hardware River Dr 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 76% of homes in Scottsville 24590
  • Costs less per square foot than 74% of homes in Scottsville 24590
  • Bigger than 80% of homes in Scottsville 24590
  • Has a bigger lot than 88% of homes in Fluvanna County
  • Newer than 82% of homes in Scottsville 24590

What homes are worth in Scottsville 24590

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

This home
$95K$1.1M

This home is worth more than 76% of homes in Scottsville 24590.

How it measures up in Scottsville 24590

The dot is this home. The mark in the middle is the typical home in Scottsville 24590.

Estimated value$425,220
CheaperTypical $302,656Pricier

Pricier than 76% of homes nearby

Price per ft²$201
CheaperTypical $237Pricier

Pricier than 26% of homes nearby

Living area2,113 ft²
SmallerTypical 1,484 ft²Bigger

Bigger than 80% of homes nearby

Lot size10.26 ac
SmallerTypical 2.97 acBigger

Bigger than 82% of homes nearby

Year built2005
OlderTypical 1989Newer

Newer than 82% of homes nearby

How 189 Hardware River Dr ranks against every home in each area.
MeasureThis homeScottsville 24590Fluvanna County
Estimated valuepricier than$425,22076% of homes73% of homes
Price per ft²pricier than$20126% of homes37% of homes
Living areabigger than2,113 ft²80% of homes77% of homes
Lot sizebigger than10.26 ac82% of homes88% of homes
Year builtnewer than200582% of homes79% of homes

About 189 Hardware River Dr

How much is 189 Hardware River Dr, Scottsville, VA worth?

The TopHap Estimate for 189 Hardware River Dr, Scottsville, VA is $425,220 as of Jul 14, 2026. The likely range is $406,802 to $443,638. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 189 Hardware River Dr, Scottsville, VA last sell?

189 Hardware River Dr, Scottsville, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 189 Hardware River Dr, Scottsville, VA?

189 Hardware River Dr, Scottsville, VA has 3 bedrooms, 2 bathrooms, 2,113 square feet of living space and a 10.26-acre lot.

When was 189 Hardware River Dr, Scottsville, VA built?

189 Hardware River Dr, Scottsville, VA was built in 2005, making it 21 years old. The building has 1 story.

What schools serve 189 Hardware River Dr, Scottsville, VA?

189 Hardware River Dr, Scottsville, VA is assigned to Central Elementary School (elementary), rated C; Fluvanna Middle School (middle), rated B; 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 189 Hardware River Dr, Scottsville, VA compare to other homes in Scottsville 24590?

Among the 3,423 homes in Scottsville 24590, it is worth more than 76% of them ($425,220 against a typical $302,656), its price per square foot is higher than 26% of them ($201 against a typical $237), it is bigger than 80% of them (2,113 ft² against a typical 1,484 ft²), its lot is bigger than 82% of them (10.26 ac against a typical 2.97 ac) and it is newer than 82% of them (2005 against a typical 1989). Measured against all of Fluvanna County, it is worth more than 73% 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 189 Hardware River Dr, Scottsville, VA?

The 2025 property tax bill for 189 Hardware River Dr, Scottsville, VA was $2,985. The county assessed it at $395,300.

Closest homes

More homes in Scottsville 24590

Assigned schools

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