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Single Family ResidenceResidential
$548,423$478 / 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 89How 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

20532 WHITE ROCK DR

RICHARDSVILLE, VA 22736
3
Beds
2
Baths
1,148 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.
4.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1979
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$548K
$488K low$609K 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.$487,661
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$390,129
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.12%
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.$60,762
WACHOVIA BANK NA · E · recorded Aug 13, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$685 (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.$368,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$117,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$250,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$315,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$368,500

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.4.26
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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.In-Ground Vinyl Pool
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 468 ft²

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 · 11.2 mi
M
Floyd T. Binns Middle SchoolC
Middle · Grades 6–8 · 13.7 mi
E
Pearl Sample Elementary SchoolB-
Elementary · Grades PK–5 · 14.2 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

20532 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.

  • Costs more per square foot than 98% of homes in Culpeper County
  • Smaller than 85% of homes in Culpeper County
  • Has a bigger lot than 75% of homes in Culpeper County
  • Older than 81% of homes in Richardsville 22736

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 44% 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$548,423
CheaperTypical $570,801Pricier

Pricier than 44% of homes nearby

Price per ft²$478
CheaperTypical $360Pricier

Pricier than 88% of homes nearby

Living area1,148 ft²
SmallerTypical 1,630 ft²Bigger

Bigger than 21% of homes nearby

Lot size4.26 ac
SmallerTypical 5.07 acBigger

Bigger than 37% of homes nearby

Year built1979
OlderTypical 1999Newer

Newer than 19% of homes nearby

How 20532 White Rock Dr ranks against every home in each area.
MeasureThis homeRichardsville 22736Culpeper County
Estimated valuepricier than$548,42344% of homes61% of homes
Price per ft²pricier than$47888% of homes98% of homes
Living areabigger than1,148 ft²21% of homes15% of homes
Lot sizebigger than4.26 ac37% of homes75% of homes
Year builtnewer than197919% of homes30% of homes

About 20532 White Rock Dr

How much is 20532 White Rock Dr, Richardsville, VA worth?

The TopHap Estimate for 20532 White Rock Dr, Richardsville, VA is $548,423 as of Jul 14, 2026. The likely range is $487,767 to $609,079. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20532 White Rock Dr, Richardsville, VA last sell?

20532 White Rock Dr, Richardsville, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 20532 White Rock Dr, Richardsville, VA?

20532 White Rock Dr, Richardsville, VA has 3 bedrooms, 2 bathrooms, 1,148 square feet of living space and a 4.26-acre lot.

When was 20532 White Rock Dr, Richardsville, VA built?

20532 White Rock Dr, Richardsville, VA was built in 1979, making it 47 years old. The building has 1 story.

What schools serve 20532 White Rock Dr, Richardsville, VA?

20532 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 20532 White Rock Dr, Richardsville, VA compare to other homes in Richardsville 22736?

Among the 272 homes in Richardsville 22736, it is worth more than 44% of them ($548,423 against a typical $570,801), its price per square foot is higher than 88% of them ($478 against a typical $360), it is bigger than 21% of them (1,148 ft² against a typical 1,630 ft²), its lot is bigger than 37% of them (4.26 ac against a typical 5.07 ac) and it is newer than 19% of them (1979 against a typical 1999). Measured against all of Culpeper County, it is worth more than 61% 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 20532 White Rock Dr, Richardsville, VA?

The 2025 property tax bill for 20532 White Rock Dr, Richardsville, VA was $685. The county assessed it at $368,500.

Closest homes

More homes in Richardsville 22736

Assigned schools

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