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Single Family ResidenceResidential
$602,705$365 / 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 93How 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

20486 WHITE ROCK DR

RICHARDSVILLE, VA 22736
3
Beds
2
Baths
1,652 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.
2.98 ac
Lot SizeThe size of the land the home sits on, from county records.
2007
Year BuiltThe year the home was originally built, according to county records.
1
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.

Valuation

$603K
$560K low$646K 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.$232,335
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$185,868
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.64%
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.$370,370
ROCKET MORTGAGE LLC · recorded Mar 4, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,774 (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.$412,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$106,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$305,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$388,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$412,500

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.11 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
CountyCULPEPER
Lot (acres)The size of the land the home sits on, from county records.2.98
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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.Porch · 397 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.

H
Eastern View High SchoolD
High · Grades 9–12 · 11.1 mi
M
Floyd T. Binns Middle SchoolC
Middle · Grades 6–8 · 13.7 mi
E
Pearl Sample Elementary SchoolB-
Elementary · Grades PK–5 · 14.1 mi

District: Culpeper County Public Schools

Neighborhood · ZIP 22736These 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.132
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
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.828
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.35 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$89,375
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$115,852
Average tempThe average temperature here across a full year.55°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

20486 White Rock 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 72% of homes in Culpeper County
  • Costs more per square foot than 87% of homes in Culpeper County
  • Has a smaller lot than 73% of homes in Richardsville 22736
  • Newer than 81% of homes in Culpeper County

What homes are worth in Richardsville 22736

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

This home
$266K$1.2M

This home is worth more than 56% of homes in Richardsville 22736.

How it measures up in Richardsville 22736

The dot is this home. The mark in the middle is the typical home in Richardsville 22736.

Estimated value$602,705
CheaperTypical $570,801Pricier

Pricier than 56% of homes nearby

Price per ft²$365
CheaperTypical $360Pricier

Pricier than 53% of homes nearby

Living area1,652 ft²
SmallerTypical 1,630 ft²Bigger

Bigger than 53% of homes nearby

Lot size2.98 ac
SmallerTypical 5.07 acBigger

Bigger than 27% of homes nearby

Year built2007
OlderTypical 1999Newer

Newer than 71% of homes nearby

How 20486 White Rock Dr ranks against every home in each area.
MeasureThis homeRichardsville 22736Culpeper County
Estimated valuepricier than$602,70556% of homes72% of homes
Price per ft²pricier than$36553% of homes87% of homes
Living areabigger than1,652 ft²53% of homes43% of homes
Lot sizebigger than2.98 ac27% of homes67% of homes
Year builtnewer than200771% of homes81% of homes

About 20486 White Rock Dr

How much is 20486 White Rock Dr, Richardsville, VA worth?

The TopHap Estimate for 20486 White Rock Dr, Richardsville, VA is $602,705 as of Jul 14, 2026. The likely range is $559,642 to $645,768. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20486 White Rock Dr, Richardsville, VA last sell?

20486 White Rock Dr, Richardsville, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 20486 White Rock Dr, Richardsville, VA?

20486 White Rock Dr, Richardsville, VA has 3 bedrooms, 2 bathrooms, 1,652 square feet of living space and a 2.98-acre lot.

When was 20486 White Rock Dr, Richardsville, VA built?

20486 White Rock Dr, Richardsville, VA was built in 2007, making it 19 years old. The building has 1 story.

What schools serve 20486 White Rock Dr, Richardsville, VA?

20486 White Rock Dr, Richardsville, VA is assigned to Eastern View High School (high), rated D; Floyd T. Binns Middle School (middle), rated C; Pearl Sample Elementary School (elementary), rated B-. All sit in Culpeper County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20486 White Rock Dr, Richardsville, VA compare to other homes in Richardsville 22736?

Among the 272 homes in Richardsville 22736, it is worth more than 56% of them ($602,705 against a typical $570,801), its price per square foot is higher than 53% of them ($365 against a typical $360), it is bigger than 53% of them (1,652 ft² against a typical 1,630 ft²), its lot is bigger than 27% of them (2.98 ac against a typical 5.07 ac) and it is newer than 71% of them (2007 against a typical 1999). Measured against all of Culpeper County, it is worth more than 72% 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 20486 White Rock Dr, Richardsville, VA?

The 2025 property tax bill for 20486 White Rock Dr, Richardsville, VA was $1,774. The county assessed it at $412,500.

Closest homes

More homes in Richardsville 22736

Assigned schools

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