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Single Family ResidenceResidential
$485,000$139 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $265,000 on Aug 17, 2021

202 SPRUCE ST

MONTEREY, VA 24465
4
Beds
3
Baths
3,486 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.
0.74 ac
Lot SizeThe size of the land the home sits on, from county records.
1898
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$485K
$454K low$516K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$265,000 · Aug 17, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,463 (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.$286,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$35,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$251,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$286,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$286,800

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.51
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
68
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
68
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
StyleThe architectural style of the home, such as ranch or colonial.Victorian
CountyHIGHLAND
Lot (acres)The size of the land the home sits on, from county records.0.74
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
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.Porch · 427 ft²

Transaction History(7)

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.

M
Highland High SchoolA-
Middle · Grades 6–12 · 0.4 mi
E
Highland Elementary SchoolB+
Elementary · Grades PK–5 · 0.4 mi

District: Highland County Public Schools

Neighborhood · ZIP 24465These 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.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

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.66%
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.7.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.5%
PopulationHow many people live in this area.1,368
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$60,898
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,757
Average tempThe average temperature here across a full year.48°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 Spruce 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.

  • Worth more than 69% of homes in Monterey 24465
  • Costs less per square foot than 82% of homes in Monterey 24465
  • Bigger than 98% of homes in Monterey 24465
  • Has a smaller lot than 86% of homes in Highland County
  • Older than 93% of homes in Monterey 24465

What homes are worth in Monterey 24465

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

This home
$102K$1.7M

This home is worth more than 69% of homes in Monterey 24465.

How it measures up in Monterey 24465

The dot is this home. The mark in the middle is the typical home in Monterey 24465.

Estimated value$485,000
CheaperTypical $340,000Pricier

Pricier than 69% of homes nearby

Price per ft²$139
CheaperTypical $215Pricier

Pricier than 18% of homes nearby

Living area3,486 ft²
SmallerTypical 1,508 ft²Bigger

Bigger than 98% of homes nearby

Lot size0.74 ac
SmallerTypical 5.39 acBigger

Bigger than 16% of homes nearby

Year built1898
OlderTypical 1971Newer

Newer than 7% of homes nearby

How 202 Spruce St ranks against every home in each area.
MeasureThis homeMonterey 24465Highland County
Estimated valuepricier than$485,00069% of homes68% of homes
Price per ft²pricier than$13918% of homes19% of homes
Living areabigger than3,486 ft²98% of homes98% of homes
Lot sizebigger than0.74 ac16% of homes14% of homes
Year builtnewer than18987% of homes9% of homes

About 202 Spruce St

How much is 202 Spruce St, Monterey, VA worth?

The TopHap Estimate for 202 Spruce St, Monterey, VA is $485,000 as of Sep 24, 2026. The likely range is $454,112 to $515,888. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 202 Spruce St, Monterey, VA last sell?

202 Spruce St, Monterey, VA last sold on Aug 17, 2021 for $265,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 202 Spruce St, Monterey, VA?

202 Spruce St, Monterey, VA has 4 bedrooms, 3 bathrooms, 3,486 square feet of living space and a 0.74-acre lot.

When was 202 Spruce St, Monterey, VA built?

202 Spruce St, Monterey, VA was built in 1898, making it 128 years old. It is a victorian home. The building has 2 stories.

What schools serve 202 Spruce St, Monterey, VA?

202 Spruce St, Monterey, VA is assigned to Highland High School (middle), rated A-; Highland Elementary School (elementary), rated B+. All sit in Highland County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 202 Spruce St, Monterey, VA compare to other homes in Monterey 24465?

Among the 1,004 homes in Monterey 24465, it is worth more than 69% of them ($485,000 against a typical $340,000), its price per square foot is higher than 18% of them ($139 against a typical $215), it is bigger than 98% of them (3,486 ft² against a typical 1,508 ft²), its lot is bigger than 16% of them (0.74 ac against a typical 5.39 ac) and it is newer than 7% of them (1898 against a typical 1971). Measured against all of Highland County, it is worth more than 68% 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 Spruce St, Monterey, VA?

The 2026 property tax bill for 202 Spruce St, Monterey, VA was $1,463. The county assessed it at $286,800.

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