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Single Family ResidenceResidential
$700,628$257 / 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 90How 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

2240 FRAY RD

RUCKERSVILLE, VA 22968
3
Beds
2.5
Baths
2,729 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.
3.03 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
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.

Valuation

$701K
$633K low$769K 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.$570,628
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$456,502
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.20%
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.$90,000
VIRGINIA CU · recorded Nov 2, 2018
2nd 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.$40,000
VIRGINIA CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,422 (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.$606,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$117,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$489,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$578,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$606,500

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.115 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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.Traditional/Old
CountyALBEMARLE
Lot (acres)The size of the land the home sits on, from county records.3.03
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.Wood
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning 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
ViewThe type of view from the property, or another feature of the site that affects value.Flood Plain/Flood Zone
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 339 ft²Patio · 547 ft²Porch · 428 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.

E
Broadus Wood Elementary SchoolB
Elementary · Grades KG–5 · 4.4 mi
H
Albemarle High SchoolC+
High · Grades 9–12 · 9.5 mi
M
Journey Middle SchoolD-
Middle · Grades 6–8 · 9.6 mi

District: Albemarle County Public Schools

Neighborhood · ZIP 22968These 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.56
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.4%
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.12,121
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.295 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$91,825
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,122
Average tempThe average temperature here across a full year.55°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.Yes

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

2240 Fray Rd 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 92% of homes in Ruckersville 22968
  • Costs less per square foot than 69% of homes in Albemarle County
  • Bigger than 90% of homes in Ruckersville 22968
  • Has a bigger lot than 85% of homes in Ruckersville 22968
  • Older than 66% of homes in Ruckersville 22968

What homes are worth in Ruckersville 22968

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

This home
$166K$953K

This home is worth more than 92% of homes in Ruckersville 22968.

How it measures up in Ruckersville 22968

The dot is this home. The mark in the middle is the typical home in Ruckersville 22968.

Estimated value$700,628
CheaperTypical $388,822Pricier

Pricier than 92% of homes nearby

Price per ft²$257
CheaperTypical $244Pricier

Pricier than 60% of homes nearby

Living area2,729 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 90% of homes nearby

Lot size3.03 ac
SmallerTypical 0.96 acBigger

Bigger than 85% of homes nearby

Year built1990
OlderTypical 1995Newer

Newer than 34% of homes nearby

How 2240 Fray Rd ranks against every home in each area.
MeasureThis homeRuckersville 22968Albemarle County
Estimated valuepricier than$700,62892% of homes68% of homes
Price per ft²pricier than$25760% of homes31% of homes
Living areabigger than2,729 ft²90% of homes79% of homes
Lot sizebigger than3.03 ac85% of homes77% of homes
Year builtnewer than199034% of homes50% of homes

About 2240 Fray Rd

How much is 2240 Fray Rd, Ruckersville, VA worth?

The TopHap Estimate for 2240 Fray Rd, Ruckersville, VA is $700,628 as of Jul 14, 2026. The likely range is $632,582 to $768,674. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2240 Fray Rd, Ruckersville, VA last sell?

2240 Fray Rd, Ruckersville, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 2240 Fray Rd, Ruckersville, VA?

2240 Fray Rd, Ruckersville, VA has 3 bedrooms, 2.5 bathrooms, 2,729 square feet of living space and a 3.03-acre lot.

When was 2240 Fray Rd, Ruckersville, VA built?

2240 Fray Rd, Ruckersville, VA was built in 1990, making it 36 years old. It is a traditional/old home. The building has 1 story.

What schools serve 2240 Fray Rd, Ruckersville, VA?

2240 Fray Rd, Ruckersville, VA is assigned to Broadus Wood Elementary School (elementary), rated B; Albemarle High School (high), rated C+; Journey Middle School (middle), rated D-. All sit in Albemarle County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2240 Fray Rd, Ruckersville, VA compare to other homes in Ruckersville 22968?

Among the 4,722 homes in Ruckersville 22968, it is worth more than 92% of them ($700,628 against a typical $388,822), its price per square foot is higher than 60% of them ($257 against a typical $244), it is bigger than 90% of them (2,729 ft² against a typical 1,456 ft²), its lot is bigger than 85% of them (3.03 ac against a typical 0.96 ac) and it is newer than 34% of them (1990 against a typical 1995). Measured against all of Albemarle 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 2240 Fray Rd, Ruckersville, VA?

The 2026 property tax bill for 2240 Fray Rd, Ruckersville, VA was $5,422. The county assessed it at $606,500.

Closest homes

More homes in Ruckersville 22968

Assigned schools

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