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Single Family ResidenceResidential
$393,502
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 Aug 30, 2026
Last sold for $454,000 on Oct 18, 2023

202 SHIPS ROW

MONTROSS, VA 22520
3
Beds
3 / 1
Baths
2023
Year BuiltThe year the home was originally built, according to county records.
8
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

$394K
$344K low$443K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$454,000 · Oct 18, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,247 (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.$330,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$314,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$330,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$330,500

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.43
13
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
83
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
CountyWestmoreland
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.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
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

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
Cople Elementary SchoolC+
Elementary · Grades PK–5 · 4.6 mi
M
Montross Middle SchoolB+
Middle · Grades 6–8 · 7.4 mi
H
Westmoreland High SchoolC
High · Grades 9–12 · 8.7 mi

District: Westmoreland County Public Schools

Neighborhood · ZIP 22520These 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.117
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.38

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.69%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.5,876
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,319
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,531
Average tempThe average temperature here across a full year.57°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%

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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

202 Ships Row 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 85% of homes in Montross 22520
  • Among the newest homes in Montross 22520

What homes are worth in Montross 22520

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

This home
$46K$803K

This home is worth more than 85% of homes in Montross 22520.

How it measures up in Montross 22520

The dot is this home. The mark in the middle is the typical home in Montross 22520.

Estimated value$393,502
CheaperTypical $167,812Pricier

Pricier than 85% of homes nearby

Year built2023
OlderTypical 1989Newer

Newer than almost all homes nearby

How 202 Ships Row ranks against every home in each area.
MeasureThis homeMontross 22520Westmoreland County
Estimated valuepricier than$393,50285% of homes84% of homes
Year builtnewer than2023almost all homesalmost all homes

About 202 Ships Row

How much is 202 Ships Row, Montross, VA worth?

The TopHap Estimate for 202 Ships Row, Montross, VA is $393,502 as of Aug 30, 2026. The likely range is $344,286 to $442,718. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 202 Ships Row, Montross, VA last sell?

202 Ships Row, Montross, VA last sold on Oct 18, 2023 for $454,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 202 Ships Row, Montross, VA?

202 Ships Row, Montross, VA has 3 bedrooms and 3 bathrooms.

When was 202 Ships Row, Montross, VA built?

202 Ships Row, Montross, VA was built in 2023, making it 3 years old.

What schools serve 202 Ships Row, Montross, VA?

202 Ships Row, Montross, VA is assigned to Cople Elementary School (elementary), rated C+; Montross Middle School (middle), rated B+; Westmoreland High School (high), rated C. All sit in Westmoreland County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 202 Ships Row, Montross, VA compare to other homes in Montross 22520?

Among the 6,611 homes in Montross 22520, it is worth more than 85% of them ($393,502 against a typical $167,812) and it is newer than almost all of them (2023 against a typical 1989). Measured against all of Westmoreland County, it is worth more than 84% 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 202 Ships Row, Montross, VA?

The 2025 property tax bill for 202 Ships Row, Montross, VA was $2,247. The county assessed it at $330,500.

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Assigned schools

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